thailand payment report 2011 (thai)

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ISBN 978 -6 16 - 7220 - 16 - 1

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6

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π“¬ª√– “√ ‰µ√√—µπå«√°ÿ≈

ºŸâ«à“°“√

√Õßª√–∏“π°√√¡°“√π“¬‡°√‘° «≥‘°°ÿ≈

√ÕßºŸâ«à“°“√

¥â“π‡ ∂’¬√¿“æ ∂“∫—π°“√‡ß‘π

Àπâ“∑’Ë¢Õß§≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π¡“µ√“ 17 ·Ààßæ√–√“™∫—≠≠—µ‘∏π“§“√·Ààßª√–‡∑»‰∑¬ °”Àπ¥„Àâ¡’°“√®—¥µ—Èß§≥–°√√¡°“√

√–∫∫°“√™”√–‡ß‘π (°√™.) ‡æ◊ËÕ°”Àπ¥·≈–µ‘¥µ“¡°“√¥”‡π‘π°“√µ“¡π‚¬∫“¬‡°’Ë¬«°—∫√–∫∫

°“√™”√–‡ß‘π∑’Ë ∏ª∑. °”°—∫¥Ÿ·≈ ·≈–√–∫∫°“√À—°∫—≠™’√–À«à“ß ∂“∫—π°“√‡ß‘π

§≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π (°√™.)

7

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

‡≈¢“πÿ°“√π“ß∑ÕßÕÿ‰√ ≈‘È¡ªîµ‘

ºŸâ™à«¬ºŸâ«à“°“√ “¬π‚¬∫“¬ ∂“∫—π°“√‡ß‘π

°√√¡°“√

π“¬ √ ‘∑∏‘Ï ÿπ∑√‡°»

√ÕßºŸâ«à“°“√¥â“π∫√‘À“√

π“¬™“µ‘»‘√‘ ‚ ¿≥æπ‘™

ª√–∏“π ¡“§¡∏π“§“√‰∑¬

π“¬ ¡‡°’¬√µ‘ Õπÿ√“…Æ√å

√Õßª√–∏“π°√√¡°“√

§≥–°√√¡°“√ÀÕ°“√§â“‰∑¬

π“ß “« ÿ∑∏‘√—µπå √—µπ‚™µ‘

∑’Ëª√÷°…“¥â“πæ—≤π“√–∫∫

°“√‡ß‘π°“√§≈—ß °√¡∫—≠™’°≈“ß

π“ß‡ “«≥’ ÿ«√√≥™’æ

°√√¡°“√ §≥–°√√¡°“√

∏ÿ√°√√¡∑“ßÕ‘‡≈Á°∑√Õπ‘° å

≥ «—π∑’Ë 23 ¡‘∂ÿπ“¬π 2555

8

“√∫—≠

√ÿª ∂‘µ‘∑’Ë ”§—≠„πªï 2554 3

“√®“°ª√–∏“π§≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π (°√™.) 4

§≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π (°√™.) 6

“√∫—≠ 8

“√∫—≠°√Õ∫ 10

“√∫—≠¿“æ 10

“√∫—≠µ“√“ß 11

1. π‚¬∫“¬·≈–°“√°”°—∫¥Ÿ·≈√–∫∫°“√™”√–‡ß‘π„πªï 2554 12

1.1 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 12

1.2 °“√æ—≤π“‚§√ß √â“ßæ◊Èπ∞“π¥â“π√–∫∫°“√™”√–‡ß‘π 13

1.2.1 °“√ π—∫ πÿπ°“√®—¥µ—Èß√–∫∫ Local Switching 13

1.2.2 °“√°”Àπ¥¡“µ√∞“π°≈“ß¢âÕ§«“¡°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å 16

(National Payment Message Standard)

1.2.3 °“√®—¥∑”√à“ß°ÆÀ¡“¬‡æ◊ËÕ√Õß√—∫°“√¡’º≈ ‘Èπ ÿ¥¢Õß°“√‚Õπ‡ß‘π (Payment Finality) 17

1.2.4 °“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π 19

1.3 √–∫∫°“√™”√–‡ß‘π∑’Ë ∏ª∑. „Àâ∫√‘°“√ 20

1.3.1 √–∫∫∫“∑‡πµ (Bank of Thailand Automated High-value Transfer Network: BAHTNET) 20

1.3.2 √–∫∫ Imaged Cheque Clearing and Archive System (ICAS) 23

1.3.3 °“√„Àâ∫√‘°“√√–∫∫°“√™”√–‡ß‘πÕ¬à“ßµàÕ‡π◊ËÕß„π ∂“π°“√≥åπÈ”∑à«¡ ‡¡◊ËÕªï 2554 25

1.4 °“√æ—≤π“√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫°“√‡™◊ËÕ¡‚¬ß°—∫µà“ßª√–‡∑» 26

1.4.1 °“√æ—≤π“√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫ª√–™“§¡‡»√…∞°‘®Õ“‡´’¬π 26

1.4.2 °“√≈¥§«“¡‡ ’Ë¬ß°“√™”√–√“§“∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ 28

°ÿ≈‡ß‘πµ√“µà“ßª√–‡∑» (Foreign Exchange Settlement Risk: FX Settlement Risk)

1.4.3 °“√‡µ√’¬¡§«“¡æ√âÕ¡√–∫∫°“√™”√–‡ß‘π ”À√—∫√Õß√—∫°“√§â“ 30

√–À«à“ßª√–‡∑»¥â«¬ °ÿ≈‡ß‘πÀ¬«π

1.5 °“√°”°—∫¥Ÿ·≈√–∫∫°“√™”√–‡ß‘π 31

1.5.1 °“√°”°—∫¥Ÿ·≈∏ÿ√°‘®∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å 31

1.6 °“√‡º¬·æ√à¢âÕ¡Ÿ≈¥â“π√–∫∫°“√™”√–‡ß‘π 37

9

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

2. ∑‘»∑“ß¢Õß√–∫∫°“√™”√–‡ß‘π„πÕπ“§µ: ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555-2559 39

2.1 §«“¡‡ªìπ¡“ 39

2.1.1 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2547 (Payment Systems Roadmap 2004) 39

2.1.2 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2553 (Payment Systems Roadmap 2010) 40

2.2 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 40

2.2.1 √ÿªº≈°“√ª√–‡¡‘π√–∫∫°“√™”√–‡ß‘π‰∑¬ 41

2.2.2 “√– ”§—≠¢Õß·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 48

3. ¢âÕ¡Ÿ≈·≈– ∂‘µ‘„π√–∫∫°“√™”√–‡ß‘π 53

3.1 ‚§√ß √â“ßæ◊Èπ∞“π¥â“π°“√™”√–‡ß‘π 53

3.1.1 “¢“¢Õß∏π“§“√æ“≥‘™¬å ∂“∫—π°“√‡ß‘π‡©æ“–°‘® ·≈–‰ª√…≥’¬å 53

3.1.2 ‡§√◊ËÕß‡Õ∑’‡ÕÁ¡ ‡§√◊ËÕß√—∫Ω“°‡ß‘πÕ—µ‚π¡—µ‘ ·≈–‡§√◊ËÕß√—∫∫—µ√ 54

3.1.3 ∫—µ√‡Õ∑’‡ÕÁ¡ ∫—µ√‡¥∫‘µ ·≈–∫—µ√‡§√¥‘µ 56

3.1.4 ∫√‘°“√‚∑√»—æ∑åæ◊Èπ∞“π·≈–‚∑√»—æ∑å‡§≈◊ËÕπ∑’Ë 57

3.2 ™àÕß∑“ß·≈– ◊ËÕ°“√™”√–‡ß‘π∑’Ë ”§—≠ 58

3.2.1 °“√„™â‡ß‘π ¥ 60

3.2.2 °“√„™â‡™Á§ 62

3.2.3 °“√‚Õπ‡ß‘π¡Ÿ≈§à“ Ÿß 64

3.2.4 °“√‚Õπ‡ß‘π√“¬¬àÕ¬§√—Èß≈–À≈“¬√“¬°“√ (Bulk Payment) 66

3.2.5 ∫√‘°“√∑’Ë‡§“πå‡µÕ√å∏π“§“√ ·≈–ºŸâ„Àâ∫√‘°“√∑’Ë¡‘„™à ∂“∫—π°“√‡ß‘π 68

3.2.6 ∫—µ√æ≈“ µ‘° 70

3.2.7 ∏π“§“√∑“ßÕ‘π‡∑Õ√å‡πÁµ 74

3.2.8 ∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å (e-Money) 75

3.3 °“√‚Õπ·≈–™”√–‡ß‘πºà“π√–∫∫‰ª√…≥’¬å 77

3.4 √“¬‰¥â¢Õß∏π“§“√æ“≥‘™¬å®“°∫√‘°“√¥â“π°“√™”√–‡ß‘π 77

4. Õ¿‘∏“π»—æ∑å·≈–§”¬àÕ 80

5. ∫√√≥“πÿ°√¡ 82

6. µ“√“ß ∂‘µ‘ 84

7. À¡“¬‡Àµÿª√–°Õ∫µ“√“ß 99

10

“√∫—≠°√Õ∫

°√Õ∫∑’Ë 1 : √–∫∫ Local Switching „πµà“ßª√–‡∑» 14

°√Õ∫∑’Ë 2 : ¡“µ√∞“π ISO 20022 16

°√Õ∫∑’Ë 3 : °“√¬°‡«âπ°“√π” Zero Hour Rule ¡“∫—ß§—∫„™â 17

°√Õ∫∑’Ë 4 : °“√∫√‘À“√®—¥°“√§«“¡‡ ’Ë¬ß¥â“π°“√™”√–¥ÿ≈ (Settlement Risk Management) 22

°√Õ∫∑’Ë 5 : °“√√—°…“§«“¡¡—Ëπ§ßª≈Õ¥¿—¬„π√–∫∫ ICAS 23

°√Õ∫∑’Ë 6 : §≥–∑”ß“π¥â“π√–∫∫°“√™”√–‡ß‘π 28

(Working Committee on Payment and Settlement System: WC-PSS)

°√Õ∫∑’Ë 7 : √–∫∫°“√™”√–√“§“∏ÿ√°√√¡·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑» 29

·∫∫ Payment versus Payment (PvP)

°√Õ∫∑’Ë 8 : °“√°”°—∫¥Ÿ·≈∏ÿ√°‘®∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å (e-Payment) 33

°√Õ∫∑’Ë 9 : ºŸâ„Àâ∫√‘°“√√—∫™”√–‡ß‘π·∑π 68

“√∫—≠¿“æ

¿“æ∑’Ë 1 : ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 13

¿“æ∑’Ë 2 : °√Õ∫°≈¬ÿ∑∏å§«“¡√à«¡¡◊Õ¥â“π√–∫∫°“√™”√–‡ß‘π¢Õßª√–™“§¡‡»√…∞°‘®Õ“‡ ’¬π 27

¿“æ∑’Ë 3 : √ÿª°√–∫«π°“√®—¥∑”·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555-2559 41

¿“æ∑’Ë 4 : ®”π«π “¢“¢Õß∏π“§“√æ“≥‘™¬å ∂“∫—π°“√‡ß‘π‡©æ“–°‘® ·≈–‰ª√…≥’¬å 53

¿“æ∑’Ë 5 : ®”π«π‡§√◊ËÕß‡Õ∑’‡ÕÁ¡·≈–‡§√◊ËÕß√—∫Ω“°‡ß‘πÕ—µ‚π¡—µ‘·≈–®”π«π‡§√◊ËÕß√—∫∫—µ√ 54

¿“æ∑’Ë 6 : ®”π«π∫—µ√‡Õ∑’‡ÕÁ¡ ∫—µ√‡¥∫‘µ ·≈–∫—µ√‡§√¥‘µ 56

¿“æ∑’Ë 7 : —¥ à«π∫—µ√‡§√¥‘µ∑’ËÕÕ°‚¥¬ ∂“∫—π°“√‡ß‘π·≈–∫√‘…—∑ºŸâª√–°Õ∫∏ÿ√°‘®∫—µ√‡§√¥‘µ ªï 2554 57

¿“æ∑’Ë 8 : ®”π«π‡≈¢À¡“¬‚∑√»—æ∑åæ◊Èπ∞“π·≈–‚∑√»—æ∑å‡§≈◊ËÕπ∑’Ë 57

¿“æ∑’Ë 9 : ‡ª√’¬∫‡∑’¬∫ —¥ à«πª√‘¡“≥√“¬°“√„™â ◊ËÕ°“√™”√–‡ß‘πµà“ß Ê 59

¿“æ∑’Ë 10 : ‡ª√’¬∫‡∑’¬∫ —¥ à«π¡Ÿ≈§à“°“√„™â ◊ËÕ°“√™”√–‡ß‘πµà“ß Ê 59

¿“æ∑’Ë 11 : ®”π«π√“¬°“√°“√„™â∫√‘°“√™”√–‡ß‘πµàÕª√–™“°√ ≥ ªï 2553 60

¿“æ∑’Ë 12 : ª√‘¡“≥‡ß‘π ¥‡ª√’¬∫‡∑’¬∫°—∫ GDP 61

¿“æ∑’Ë 13 : Õß§åª√–°Õ∫¢Õß‡ß‘π ¥„π¡◊Õ 61

¿“æ∑’Ë 14 : ª√‘¡“≥°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ª√–‡¿∑µà“ß Ê 63

¿“æ∑’Ë 15 : ¡Ÿ≈§à“°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ª√–‡¿∑µà“ß Ê 63

¿“æ∑’Ë 16 : ¡Ÿ≈§à“°“√‚Õπ‡ß‘πºà“π∫“∑‡πµ·¬°µ“¡ª√–‡¿∑∏ÿ√°‘® ªï 2554 64

¿“æ∑’Ë 17 : ª√‘¡“≥√“¬°“√µà“ß Ê ¢Õß°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ 65

¿“æ∑’Ë 18 : ¡Ÿ≈§à“√“¬°“√µà“ß Ê ¢Õß°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ 66

¿“æ∑’Ë 19 : ª√‘¡“≥√“¬°“√·≈–¡Ÿ≈§à“¢Õß°“√‚Õπ‡ß‘π√“¬¬àÕ¬§√—Èß≈–À≈“¬√“¬°“√ 66

11

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

¿“æ∑’Ë 20 : —¥ à«π¡Ÿ≈§à“°“√‚Õπ‡ß‘πºà“π√–∫∫ NITMX Bulk Payment 67

¿“æ∑’Ë 21 : —¥ à«πª√‘¡“≥∏ÿ√°√√¡°“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’È (Bill Payment) 69

ºà“π∏π“§“√ ·≈– Non-bank ªï 2554

¿“æ∑’Ë 22 : —¥ à«π¡Ÿ≈§à“∏ÿ√°√√¡°“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’È (Bill Payment) 70


¿“æ∑’Ë 23 : ®”π«π√“¬°“√°“√„™â∫—µ√‡§√¥‘µºà“π™àÕß∑“ßµà“ß Ê ªï 2554 71

¿“æ∑’Ë 24 : ¡Ÿ≈§à“°“√„™â∫—µ√‡§√¥‘µºà“π™àÕß∑“ßµà“ß Ê ªï 2554 71

¿“æ∑’Ë 25 : —¥ à«πª√‘¡“≥°“√∑”√“¬°“√ºà“π∫—µ√‡¥∫‘µ 72

¿“æ∑’Ë 26 : —¥ à«π¡Ÿ≈§à“°“√∑”√“¬°“√ºà“π∫—µ√‡¥∫‘µ 72

¿“æ∑’Ë 27 : —¥ à«πª√‘¡“≥∏ÿ√°√√¡ºà“π∫—µ√‡Õ∑’‡ÕÁ¡ 73

¿“æ∑’Ë 28 : —¥ à«π¡Ÿ≈§à“∏ÿ√°√√¡ºà“π∫—µ√‡Õ∑’‡ÕÁ¡ 73

¿“æ∑’Ë 29 : —¥ à«πª√‘¡“≥√“¬°“√∏π“§“√∑“ßÕ‘π‡∑Õ√å‡πÁµ ªï 2554 75

¿“æ∑’Ë 30 : —¥ à«π¡Ÿ≈§à“√“¬°“√∏π“§“√∑“ßÕ‘π‡∑Õ√å‡πÁµ ªï 2554 75

¿“æ∑’Ë 31 : ®”π«π√“¬°“√·≈–¡Ÿ≈§à“°“√„™â®à“¬‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å 76

¿“æ∑’Ë 32 : ®”π«π√“¬°“√·≈–¡Ÿ≈§à“°“√‚Õπ·≈–™”√–‡ß‘πºà“π√–∫∫‰ª√…≥’¬å 77

¿“æ∑’Ë 33 : √“¬‰¥â®“°∫√‘°“√¥â“π°“√™”√–‡ß‘π 77

¿“æ∑’Ë 34 : √“¬‰¥â®“°∫√‘°“√¥â“π°“√™”√–‡ß‘π·¬°µ“¡ª√–‡¿∑µà“ß Ê „πªï 2554 78

“√∫—≠µ“√“ß

µ“√“ß∑’Ë 1 : √ÿª°“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π¢Õß ¡“§¡∏π“§“√‰∑¬ 19

µ“√“ß∑’Ë 2 : º≈°“√ª√–‡¡‘π√–∫∫∫“∑‡πµµ“¡‚§√ß°“√ FSAP 43

µ“√“ß∑’Ë 3 : º≈°“√ª√–‡¡‘π¥â“π°ÆÀ¡“¬µ“¡‚§√ß°“√ Global payment systems survey „πªï 2551 44

µ“√“ß∑’Ë 4 : º≈°“√ª√–‡¡‘π¥â“π°“√ÕÕ°·∫∫·≈–°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß 45

¢Õß√–∫∫°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿßµ“¡‚§√ß°“√ Global payment systems survey 2551

µ“√“ß∑’Ë 5 : º≈°“√ª√–‡¡‘π¥â“π —¥ à«π°“√„™â‡™Á§„π√–∫∫°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß 45

µ“¡‚§√ß°“√ Global payment systems survey 2551

µ“√“ß∑’Ë 6 : º≈°“√ª√–‡¡‘π¥â“π§«“¡æ√âÕ¡¢Õß‚§√ß √â“ßæ◊Èπ∞“π√–∫∫°“√™”√–‡ß‘π 46

·≈–°“√ÕÕ°π‚¬∫“¬¥â“π√–∫∫°“√™”√–‡ß‘π‚§√ß°“√ Global payment systems survey 2551

µ“√“ß∑’Ë 7 : º≈°“√ª√–‡¡‘π¥â“π°“√„™â ◊ËÕÕ‘‡≈Á°∑√Õπ‘° å‡æ◊ËÕ°“√™”√–‡ß‘π‚§√ß°“√ 47

Global payment systems survey 2551

µ“√“ß∑’Ë 8 : ª√‘¡“≥‡ß‘π ¥À¡ÿπ‡«’¬πµàÕ®”π«πª√–™“°√ 60

µ“√“ß∑’Ë 9 : ∏ÿ√°√√¡°“√„™â∫—µ√æ≈“ µ‘°¢Õß∏π“§“√æ“≥‘™¬å ªï 2554 74

12

1. π‚¬∫“¬·≈–°“√°”°—∫¥Ÿ·≈

√–∫∫°“√™”√–‡ß‘π„πªï 2554

„πªï 2554 §≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π (°√™.) ‰¥â°”Àπ¥π‚¬∫“¬¥â“π√–∫∫°“√™”√–‡ß‘π

·≈–µ‘¥µ“¡°“√¥”‡π‘π°“√‡°’Ë¬«°—∫√–∫∫°“√™”√–‡ß‘π¢Õßª√–‡∑» ¥—ßπ’È

1.1 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559

°√™. ‰¥â„Àâ§«“¡‡ÀÁπ™Õ∫·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 (Payment Systems Roadmap

2012 - 2016) ·≈–·π«∑“ß°“√¥”‡π‘π°“√¿“¬„µâ·ºπ°≈¬ÿ∑∏åœ ‡¡◊ËÕ«—π∑’Ë 4 æƒ»®‘°“¬π 2554 ‡æ◊ËÕ

„™â‡ªìπ°√Õ∫„π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬„π™à«ß√–¬–‡«≈“µ—Èß·µàªï 2555 ∂÷ß 2559 ‡æ◊ËÕ

„Àâ√–∫∫°“√™”√–‡ß‘π¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ß ª≈Õ¥¿—¬ Õ¥§≈âÕß°—∫¡“µ√∞“π “°≈ √«¡∂÷ß„Àâ

Àπà«¬ß“πµà“ß Ê ∑’Ë‡°’Ë¬«¢âÕß∑—Èß¿“§√—∞·≈–‡Õ°™π√—∫∑√“∫∑‘»∑“ß°“√æ—≤π“¥—ß°≈à“« ·≈– “¡“√∂

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·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559 §√Õ∫§≈ÿ¡«—µ∂ÿª√– ß§åÀ≈—° 3 ª√–°“√ §◊Õ °“√

‡æ‘Ë¡ª√– ‘∑∏‘¿“æ °“√≈¥§«“¡‡ ’Ë¬ß ·≈–°“√§ÿâ¡§√ÕßºŸâ∫√‘‚¿§ ·ºπ°≈¬ÿ∑∏åœ ©∫—∫π’Èª√–°Õ∫

¥â«¬‚§√ß°“√ ”§—≠ 6 ‚§√ß°“√ ‰¥â·°à

ë ‚§√ß°“√ àß‡ √‘¡·≈–æ—≤π“°“√∑”∏ÿ√°√√¡™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å

ë ‚§√ß°“√ àß‡ √‘¡°“√‡¢â“∂÷ß∫√‘°“√∑“ß°“√™”√–‡ß‘π

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ë ‚§√ß°“√≈¥§«“¡‡ ’Ë¬ß„π√–∫∫°“√™”√–‡ß‘π

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ë ‚§√ß°“√§ÿâ¡§√Õß·≈–„Àâ§«“¡√Ÿâ·°àºŸâ„™â∫√‘°“√

√“¬≈–‡Õ’¬¥‡æ‘Ë¡‡µ‘¡¢Õß·ºπ°≈¬ÿ∑∏åœ “¡“√∂Õà“π‰¥â®“°À—«¢âÕ 2 ‡√◊ËÕß ∑‘»∑“ß¢Õß√–∫∫°“√

™”√–‡ß‘π„πÕπ“§µ (Àπâ“∑’Ë 39)

‡π◊ËÕß®“°·ºπ°≈¬ÿ∑∏åœ ¡’√–¬–‡«≈“π“π 5 ªï ª√–°Õ∫°—∫æ—≤π“°“√¢Õß‡∑§‚π‚≈¬’¥â“π°“√

™”√–‡ß‘π·≈– ¿“æ·«¥≈âÕ¡∑’Ë‡°’Ë¬«¢âÕß¡’°“√‡ª≈’Ë¬π·ª≈ßÕ¬à“ß√«¥‡√Á« °√™. ®÷ß‰¥â¡Õ∫À¡“¬„Àâ¡’

13

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

°“√µ‘¥µ“¡·≈–ª√–‡¡‘π ¿“æ·«¥≈âÕ¡„π¥â“πµà“ß Ê ∑’Ë‡ª≈’Ë¬π·ª≈ß‰ª·≈–Õ“® àßº≈°√–∑∫µàÕ·ºπ

°≈¬ÿ∑∏åœ ·≈–π”‡ πÕ„Àâ °√™. ∑√“∫‡ªìπª√–®”∑ÿ°ªï ‡æ◊ËÕ„Àâ “¡“√∂∑∫∑«π·≈–ª√—∫ª√ÿß·ºπ„Àâ

Õ¥√—∫°—∫°“√‡ª≈’Ë¬π·ª≈ß¥—ß°≈à“«‰¥âÕ¬à“ß‡À¡“– ¡µàÕ‰ª

¿“æ∑’Ë 1: ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559

«‘ —¬∑—»πå: ¡’√–∫∫°“√™”√–‡ß‘π∑’Ë π—∫ πÿπ°“√∑”°‘®°√√¡∑“ß‡»√…∞°‘®¢Õß¿“§√—∞·≈–‡Õ°™π

„Àâ¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ßª≈Õ¥¿—¬ ∑—Èß¿“¬„πª√–‡∑»·≈–√–À«à“ßª√–‡∑»

1.2 °“√æ—≤π“‚§√ß √â“ßæ◊Èπ∞“π¥â“π√–∫∫°“√™”√–‡ß‘π

„πªï 2554 °√™. ‰¥â°”Àπ¥·π«∑“ß·≈–º≈—°¥—π°“√æ—≤π“‚§√ß √â“ßæ◊Èπ∞“π∑’Ë ”§—≠ ‡æ◊ËÕ¬°√–¥—∫√–∫∫

°“√™”√–‡ß‘π¢Õßª√–‡∑»„Àâ¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ßª≈Õ¥¿—¬ ·≈–¡’§«“¡πà“‡™◊ËÕ∂◊Õ¡“°¢÷Èπ ¥—ßπ’È

1.2.1 °“√ π—∫ πÿπ°“√®—¥µ—Èß√–∫∫ Local Switching

°√™. ‡ÀÁπ™Õ∫„Àâª√–‡∑»‰∑¬¡’√–∫∫„πª√–‡∑»∑’Ë√Õß√—∫°“√√—∫ àß¢âÕ¡Ÿ≈·≈–ª√–¡«≈º≈∏ÿ√°√√¡

°“√™”√–‡ß‘π¥â«¬∫—µ√Õ‘‡≈Á°∑√Õπ‘° å∑’ËÕÕ°·≈–„™â®à“¬„πª√–‡∑» (Local Switching) ‡æ◊ËÕ§«“¡

¡—Ëπ§ß¢Õß√–∫∫°“√™”√–‡ß‘π¢Õßª√–‡∑» À“°‡°‘¥«‘°ƒµ°“√≥å„πµà“ßª√–‡∑»®π∑”„Àâ√–∫∫¢Õß

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14

°√™. ‰¥â¡Õ∫À¡“¬„Àâ ∏ª∑. À“√◊Õ√à«¡°—∫∏π“§“√æ“≥‘™¬å ¿“§∏ÿ√°‘® ·≈–Àπà«¬ß“π∑’Ë‡°’Ë¬«¢âÕß ‡æ◊ËÕ

°”Àπ¥·π«∑“ß∑’Ë‡À¡“– ¡„π°“√®—¥µ—Èß√–∫∫ Local Switching ‚¥¬æ‘®“√≥“„Àâ§√Õ∫§≈ÿ¡

ª√–‡¥Áπµà“ß Ê ‰¥â·°à °“√æ—≤π“√–∫∫ Local Switching ¢Õß∫√‘…—∑ ‡π™—Ëπ·π≈ ‰Õ∑’‡ÕÁ¡‡Õä°´å ®”°—¥

°“√æ‘®“√≥“ª√–‡¥Áπ°ÆÀ¡“¬∑’Ë‡°’Ë¬«¢âÕß ·≈–°“√»÷°…“§«“¡‡ªìπ‰ª‰¥â„π°“√„™â¡“µ√°“√¿“…’

‡æ◊ËÕ®Ÿß„®√â“π§â“·≈–ºŸâ„™â∫—µ√ √«¡∑—Èß‚§√ß°“√ª√–™“ —¡æ—π∏å·≈–‡º¬·æ√à§«“¡√Ÿâ‡æ◊ËÕ√≥√ß§å

àß‡ √‘¡°“√„™â∫—µ√‡¥∫‘µ„Àâ¡“°¢÷Èπ ·≈–„π√–¬–·√°®–‡√‘Ë¡¥”‡π‘π°“√„Àâ√“¬°“√™”√–‡ß‘π¿“¬„π

ª√–‡∑»¥â«¬∫—µ√‡¥∫‘µ∑’ËÕÕ°¿“¬„πª√–‡∑»µâÕß∑”ºà“π Local Switching ”À√—∫∫—µ√‡§√¥‘µ®–

¥”‡π‘π°“√„π√–¬–µàÕ‰ª

°√Õ∫∑’Ë 1: √–∫∫ Local Switching „πµà“ßª√–‡∑»

√–∫∫ Local Switching À¡“¬∂÷ß√–∫∫„πª√–‡∑»∑’Ë√Õß√—∫°“√√—∫ àß¢âÕ¡Ÿ≈·≈–ª√–¡«≈º≈

∏ÿ√°√√¡°“√™”√–‡ß‘π¥â«¬∫—µ√Õ‘‡≈Á°∑√Õπ‘° å∑’ËÕÕ°·≈–„™â®à“¬„πª√–‡∑» ‰¥â·°à ∫—µ√‡¥∫‘µ

·≈–∫—µ√‡§√¥‘µ ª√–‡∑»∑’Ë¡’°“√æ—≤π“√–∫∫ Local Switching ·≈â« ‰¥â·°à ÕÕ ‡µ√‡≈’¬

ŒàÕß°ß ‡°“À≈’ ≠’ËªÿÉπ ‘ß§‚ª√å ·≈–¡“‡≈‡ ’¬ °“√¥”‡π‘πß“π√–∫∫ Local Switching „π

ª√–‡∑»¥—ß°≈à“«¥”‡π‘π°“√‚¥¬¿“§‡Õ°™π

- √–∫∫ EFTPOS (Electronic Funds Transfer at Point of Sale) ¢Õßª√–‡∑»ÕÕ ‡µ√‡≈’¬

‡ªìπ√–∫∫∑’Ë√Õß√—∫∫—µ√‡¥∫‘µ„πª√–‡∑»ª√–‡¿∑ Pin-based ∑’Ë‰¥â√—∫§«“¡π‘¬¡¡“° ‡√‘Ë¡

„Àâ∫√‘°“√„πªï 2523 ‚¥¬∫√‘…—∑ eftpos Payments Australia Limited ‚¥¬‡ªìπ°“√

∑”¢âÕµ°≈ß°“√„Àâ∫√‘°“√√–À«à“ß ∂“∫—π°“√‡ß‘π‡ªìπ§Ÿà Ê ºà“π‡§√◊Õ¢à“¬¿“¬„π

ª√–‡∑»‡æ◊ËÕ™”√–§à“ ‘π§â“·≈–∫√‘°“√¿“¬„π√â“π§â“∑’Ë¡’‡§√◊ËÕßÀ¡“¬ çFATEé ‡™àπ

´ÿª‡ªÕ√å¡“√å‡°Áµ √â“π§â“ª≈’° ∂“π’πÈ”¡—π ‚√ß¿“æ¬πµ√å ∫—µ√‡¥∫‘µ∑’Ë„™â¡’™◊ËÕ‡√’¬°

·µ°µà“ß°—πµ“¡∑’Ë ∂“∫—πºŸâÕÕ°∫—µ√°”Àπ¥ πÕ°®“°π’ÈºŸâ„™â∫√‘°“√¬—ß “¡“√∂„™â∫—µ√

∑”√“¬°“√∂Õπ‡ß‘π ¥®“°‡§“πå‡µÕ√å√â“π§â“ºà“π‡§√◊ËÕß√—∫∫—µ√‰¥â¥â«¬ ·µà∫—µ√ “¡“√∂

„™â‰¥â‡©æ“–°“√¬◊Ëπ™”√–§à“ ‘π§â“·≈–∫√‘°“√∑’Ë√â“π§â“ ‰¡à “¡“√∂„™â‰¥â°√≥’™”√–§à“

‘π§â“·≈–∫√‘°“√ºà“π‚∑√»—æ∑åÀ√◊ÕÕ‘π‡∑Õ√å‡πÁµ

- √–∫∫ EPS (Easy Pay System) ¢Õß‡¢µ∫√‘À“√æ‘‡»…ŒàÕß°ß·Ààß “∏“√≥√—∞

ª√–™“™π®’π ‡ªìπ√–∫∫∑’Ë√Õß√—∫∫—µ√‡¥∫‘µ ®—¥µ—Èß‚¥¬∏π“§“√„πŒàÕß°ß 21 ·Ààß ¥”‡π‘π

°“√¿“¬„µâ∫√‘…—∑ Electronic Payment Services Company (Hong Kong) Ltd. (EPSCO)

„π≈—°…≥– central processing center πÕ°®“°π’È∫√‘…—∑‡ªìπºŸâ≈ß∑ÿπ·≈–¥”‡π‘π°“√

µ‘¥µ—Èß‡§√◊ËÕß√—∫∫—µ√ √«¡∑—Èß∑”Àπâ“∑’Ë‡ªìπºŸâ√—∫∫—µ√ (Acquirer) „Àâ°—∫√â“π§â“∑—ÈßÀ¡¥ ·≈–

µ‘¥µ—Èß —≠≈—°…≥å EPS „Àâ°—∫∑ÿ°√â“π§â“∑’Ë√—∫∫—µ√ √â“π§â“ “¡“√∂√—∫∫—µ√¢Õß∑ÿ°

15

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

∏π“§“√∑’Ë‡ªìπ ¡“™‘°‚¥¬µ‘¥µ—Èß‡§√◊ËÕß√—∫∫—µ√‡æ’¬ß‡§√◊ËÕß‡¥’¬« ºŸâ„™â∫√‘°“√ “¡“√∂„™â

∫—µ√∑”√“¬°“√∂Õπ‡ß‘π ¥®“°‡§“πå‡µÕ√å√â“π§â“‰¥â¥â«¬ ‡¡◊ËÕ∑”√“¬°“√‡®â“¢Õß∫—µ√®–

∂Ÿ°µ—¥‡ß‘π∑—π∑’ ·µà√â“π§â“®–‰¥â√—∫‡ß‘π‡¢â“∫—≠™’ ≥ ‘Èπ«—πÀ√◊Õµâπ«—π¢Õß«—π∂—¥‰ª EPSCO

®–µ‘¥µ—Èß‡§√◊ËÕß√—∫∫—µ√ø√’„Àâ°—∫∑ÿ°√â“π§â“‚¥¬‰¡à§”π÷ß∂÷ß¢π“¥¢Õß∏ÿ√°‘®·≈–∑”‡≈∑’Ëµ—Èß

ªí®®ÿ∫—π¡’®ÿ¥√—∫∫—µ√¡“°°«à“ 25,000 ·Ààß„πŒàÕß°ß ¡“‡°ä“ ·≈–‡´‘π‡®‘Èπ

- √–∫∫ EFTPOS (Electronic Funds Transfer at Point of Sale) ¢Õßª√–‡∑»‡°“À≈’ ‡ªìπ

√–∫∫∑’Ë√Õß√—∫∫—µ√‡¥∫‘µª√–‡¿∑ Pin-based ∑’ËÕÕ°‚¥¬∏π“§“√æ“≥‘™¬å¿“¬„πª√–‡∑»

‡√‘Ë¡„Àâ∫√‘°“√„πªï 2539 ¡’°“√ª√–¡«≈º≈¢âÕ¡Ÿ≈ºà“π‡§√◊Õ¢à“¬ EFTPOS ¢Õß KFTC

(Korea Financial Telecommunications and Clearing Institute) ·µà‰¥â√—∫

§«“¡π‘¬¡πâÕ¬°«à“∫—µ√‡¥∫‘µª√–‡¿∑ Signature-based ÷ËßÕÕ°‚¥¬∫√‘…—∑∫—µ√‡§√¥‘µ

·≈–„™â‡§√◊Õ¢à“¬¢Õß∫—µ√‡§√¥‘µ ‡π◊ËÕß®“°¡’®ÿ¥√—∫∫—µ√πâÕ¬·≈–®”°—¥‡«≈“„π°“√„Àâ∫√‘°“√

(8.00 - 23.00 π.)

- √–∫∫ J-Debit ¢Õßª√–‡∑»≠’ËªÿÉπ ‡ªìπ√–∫∫∑’Ë√Õß√—∫∫—µ√‡¥∫‘µ¿“¬„πª√–‡∑» ‚¥¬

‡√‘Ë¡√–∫∫‡¡◊ËÕªï 2541 ·µà‡√‘Ë¡ÕÕ°∫—µ√®√‘ß‡¡◊ËÕªï 2543 ‡®â“¢Õß√–∫∫ §◊Õ JDCPA (Japan

Debit Card Promotion Association) ¡“™‘°¢Õß JDCPA §◊Õ ∂“∫—π°“√‡ß‘π´÷Ëß‡ªìπ

ºŸâÕÕ°∫—µ√ Cash Cards ª√–¡“≥ 1,600 ª√–‡¿∑·≈–¡’®”π«π∫—µ√„π√–∫∫ª√–¡“≥

390,000,000 „∫ ¡’√â“π§â“∑’Ë√—∫∫—µ√ª√–¡“≥ 250,000 ·Ààß∑—Ë«ª√–‡∑» ·µà‰¡à “¡“√∂„™â

∫√‘°“√‰¥â„π√–À«à“ß‡«≈“°≈“ß§◊π ·≈–®–¡’°“√æ—≤π“√–∫∫„Àâ√Õß√—∫∫—µ√‡§√¥‘µ·≈–

∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å (e-money services) µàÕ‰ª

- √–∫∫ NETS EFTPOS ¢Õßª√–‡∑» ‘ß§‚ª√å ‡ªìπ√–∫∫∑’Ë√Õß√—∫∫—µ√‡¥∫‘µª√–‡¿∑

PIN-based ¢Õß ‘ß§‚ª√å ‡√‘Ë¡„Àâ∫√‘°“√„πªï 2528 ‚¥¬ NETS (Network for Electronic

Transfer Pte. Ltd.) ¡’ºŸâ∂◊ÕÀÿâπ‡ªìπ°≈ÿà¡∏π“§“√æ“≥‘™¬å¢π“¥„À≠à„πª√–‡∑» ‰¥â·°à

DBS Bank, OCBC Bank and United Overseas Bank (UOB) NETS ‡ªìπºŸâ„Àâ∫√‘°“√

¥â“π‡§√◊Õ¢à“¬·≈–ºŸâ„Àâ∫√‘°“√·°àºŸâ√—∫∫—µ√ (Merchant Acquirer) √“¬„À≠à∑’Ë ÿ¥„π ‘ß§‚ª√å

·≈–¡’®ÿ¥„Àâ∫√‘°“√√—∫∫—µ√¡“°°«à“ 60,000 ·Ààß

- √–∫∫ e-Debit ¢Õßª√–‡∑»¡“‡≈‡ ’¬ ‡ªìπ√–∫∫∑’Ë√Õß√—∫°“√„™â∫—µ√‡¥∫‘µª√–‡¿∑

Pin-based ∑’ËÕÕ°‚¥¬∏π“§“√æ“≥‘™¬å¡“‡≈‡´’¬ ‡√‘Ë¡„Àâ∫√‘°“√„πªï 2545 ‚¥¬ Malaysia

Electronic Payment System (MEPS) ∂◊ÕÀÿâπ‚¥¬∏π“§“√æ“≥‘™¬å¿“¬„πª√–‡∑» ªí®®ÿ∫—π

¡’ ¡“™‘°¢Õß√–∫∫®”π«π 20 ∏π“§“√ ·≈–√Õß√—∫∫—µ√‡¥∫‘µª√–¡“≥ 26.3 ≈â“π„∫

16

1.2.2 °“√°”Àπ¥¡“µ√∞“π°≈“ß¢âÕ§«“¡°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å (National Payment

Message Standard)

‡π◊ËÕß®“°„π°“√∑”∏ÿ√°√√¡°“√™”√–‡ß‘π¢ÕßÀπà«¬ß“π¿“§∏ÿ√°‘®°—∫ ∂“∫—π°“√‡ß‘πµà“ß Ê ¡’°“√

°”Àπ¥√Ÿª·∫∫¢âÕ§«“¡À√◊Õ¢âÕ¡Ÿ≈°“√∑”∏ÿ√°√√¡∑’Ë·µ°µà“ß°—πµ“¡§«“¡µâÕß°“√„™âß“π¢Õß

·µà≈–Àπà«¬ß“π ∑”„ÀâµâÕß¡’°“√®—¥°“√¢âÕ¡Ÿ≈À≈“¬√Ÿª·∫∫·≈–¡’¿“√–ß“π‡æ‘Ë¡¢÷Èπ °√™. ®÷ß

π—∫ πÿπ„Àâ¡’°“√°”Àπ¥¡“µ√∞“π°≈“ß¢âÕ§«“¡°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å (National

Payment Message Standard) ‡æ◊ËÕ„Àâ¿“§∏ÿ√°‘®°—∫ ∂“∫—π°“√‡ß‘π “¡“√∂√—∫ àß¢âÕ¡Ÿ≈‡°’Ë¬«°—∫

°“√™”√–‡ß‘π√–À«à“ß°—π‰¥â –¥«° ‚¥¬„™â√Ÿª·∫∫¢âÕ¡Ÿ≈∑’Ë¡’¡“µ√∞“π‡¥’¬«°—π∑’Ë Õ¥§≈âÕß°—∫

¡“µ√∞“π “°≈ ISO 20022 ∑”„Àâ™à«¬≈¥¿“√–¢Õß¿“§∏ÿ√°‘®·≈– ∂“∫—π°“√‡ß‘π„π°“√®—¥°“√¢âÕ¡Ÿ≈

·≈–‡æ‘Ë¡§«“¡ –¥«°„π°“√∑”∏ÿ√°√√¡¢ÕßºŸâ„™â∫√‘°“√¡“°¢÷Èπ

„πªï 2554 ∏ª∑. ‰¥â√à«¡°—∫»Ÿπ¬å‡∑§‚π‚≈¬’Õ‘‡≈Á°∑√Õπ‘° å·≈–§Õ¡æ‘«‡µÕ√å·Ààß™“µ‘ (NECTEC)

∏π“§“√æ“≥‘™¬å Àπà«¬ß“π¢Õß√—∞ ·≈–∏ÿ√°‘®¢π“¥„À≠à®”π«πÀπ÷Ëß °”Àπ¥·ºπ‡æ◊ËÕ¥”‡π‘π

‚§√ß°“√π”√àÕß°“√„™â¡“µ√∞“π°≈“ß¢âÕ§«“¡°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å„π°“√√—∫ àß¢âÕ¡Ÿ≈

™”√–‡ß‘π√–À«à“ß°—π ·≈– ∏ª∑. ‰¥âª√– “πß“π°—∫°√¡»ÿ≈°“°√„π°“√π”¡“µ√∞“π°≈“ß¢âÕ§«“¡œ

‰ª„™â„π‚§√ß°“√ National Single Window ÷Ëß‡ªìπ‚§√ß°“√∑’Ë™à«¬Õ”π«¬§«“¡ –¥«°„Àâ·°à

ºŸâª√–°Õ∫°“√„π°“√‡™◊ËÕ¡‚¬ß¢âÕ¡Ÿ≈∑“ßÕ‘‡≈Á°∑√Õπ‘° å·∫∫§√∫«ß®√ √–À«à“ßÀπà«¬ß“π∑’Ë

‡°’Ë¬«¢âÕß„π°√–∫«π°“√π”‡¢â“- àßÕÕ° ‘π§â“ ‡æ◊ËÕ°“√µ√«® Õ∫„∫Õπÿ≠“µ ·≈–„∫√—∫√Õßµà“ß Ê

∑“ßÕ‘‡≈Á°∑√Õπ‘° å °àÕπ°“√µ√«®ª≈àÕ¬ ‘π§â“ ·≈–ª√– “πß“π°—∫Àπà«¬ß“π∑’Ë‡°’Ë¬«¢âÕß„π°“√

·µàßµ—Èß§≥–°√√¡°“√«‘™“°“√æ‘®“√≥“√à“ß¡“µ√∞“π°≈“ß¢âÕ§«“¡œ √«¡∑—Èß¥”‡π‘π°“√„Àâ¡’°“√

ª√–°“»„™â¡“µ√∞“π°≈“ß¢âÕ§«“¡œ ∑’Ë√—∫√Õß‚¥¬Àπà«¬ß“π¢Õß√—∞∑’Ë‡°’Ë¬«¢âÕßµàÕ‰ª

°√Õ∫∑’Ë 2: ¡“µ√∞“π ISO 20022

ISO (International Organization for Standardization) ‡ªìπ‡§√◊Õ¢à“¬¢ÕßÕß§å°√∑’Ë‰¡à„™à

¿“§√—∞ (Non-Governmental Organization: NGO) ¡’Àπâ“∑’Ëæ—≤π“·≈–°”Àπ¥

¡“µ√∞“π “°≈µà“ß Ê ∑’Ë‡°’Ë¬«¢âÕß°—∫∏ÿ√°‘® ·≈–Õÿµ “À°√√¡ ªí®®ÿ∫—π¡’µ—«·∑π®“°

ª√–‡∑»µà“ß Ê √«¡ 164 ª√–‡∑» ¡’ ”π—°ß“π‡≈¢“πÿ°“√µ—ÈßÕ¬Ÿà∑’Ë°√ÿß‡®π’«“ ª√–‡∑»

«‘µ‡´Õ√å·≈π¥å ISO ‰¥â¡’°“√®—¥µ—Èß TC68 (Technical Committee 68) ‡ªìπ§≥–°√√¡°“√

∑’Ë°”°—∫·≈–√—∫º‘¥™Õ∫¡“µ√∞“πµà“ß Ê ∑’Ë‡°’Ë¬«¢âÕß°—∫∏ÿ√°‘®°“√‡ß‘π·≈–°“√∏π“§“√

√«¡∂÷ß¡“µ√∞“π ISO 20022†¥â«¬ µ—«·∑π ¡“™‘° ISO ®“°ª√–‡∑»‰∑¬ §◊Õ ”π—°ß“π

¡“µ√∞“πº≈‘µ¿—≥±åÕÿµ “À°√√¡ ( ¡Õ.)

ISO 20022 ‡ªìπ°√–∫«π°“√„π°“√°”Àπ¥¡“µ√∞“π¢âÕ§«“¡ (Messages) ∑’Ë‡°’Ë¬«¢âÕß°—∫

∏ÿ√°‘®°“√‡ß‘π„π 5 À¡«¥À¡Ÿà ‰¥â·°à °“√™”√–‡ß‘π (Payments) µ√“ “√Àπ’È (Securities)

17

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

°“√ ◊ÈÕ¢“¬‡ß‘πµ√“µà“ßª√–‡∑» (Foreign Exchange: FX) ∫√‘°“√¥â“π°“√§â“ (Trade

Services) ∫—µ√·≈–∫√‘°“√∑“ß°“√‡ß‘π¢Õß√“¬¬àÕ¬∑’Ë‡°’Ë¬«¢âÕß (Cards and Related Retail

Financial Services) „πªí®®ÿ∫—π¡’Àπà«¬ß“π®”π«π 15 Àπà«¬ß“π∑’Ë‰¥â√à«¡æ—≤π“¢âÕ§«“¡µ“¡

ISO 20022 ·≈–‰¥â¡’°“√ √â“ß¡“µ√∞“π¢âÕ§«“¡∑’Ë‡°’Ë¬«¢âÕß‰ª·≈â«¡“°°«à“ 260 √“¬°“√

1.2.3 °“√®—¥∑”√à“ß°ÆÀ¡“¬‡æ◊ËÕ√Õß√—∫°“√¡’º≈ ‘Èπ ÿ¥¢Õß°“√‚Õπ‡ß‘π (Payment Finality)

°√™. ‡ÀÁπ™Õ∫„Àâ¡’°“√®—¥∑” ç√à“ßæ√–√“™∫—≠≠—µ‘«à“¥â«¬°“√‚Õπ‡ß‘π·≈–°“√™”√–¥ÿ≈∑’Ë°√–∑”

ºà“π√–∫∫°“√™”√–‡ß‘π∑’Ë¡’§«“¡ ”§—≠µàÕ§«“¡¡—Ëπ§ß¢Õß√–∫∫°“√‡ß‘π¢Õßª√–‡∑» æ.». ......é

‚¥¬¡’À≈—°°“√‡æ◊ËÕ„Àâª√–‡∑»‰∑¬¡’°ÆÀ¡“¬√Õß√—∫º≈ ‘Èπ ÿ¥¢Õß°“√‚Õπ‡ß‘π·≈–°“√™”√–¥ÿ≈ ∑’Ë

°√–∑”ºà“π√–∫∫°“√™”√–‡ß‘π∑’Ë¡’§«“¡ ”§—≠µàÕ§«“¡¡—Ëπ§ß¢Õß√–∫∫°“√‡ß‘π¢Õßª√–‡∑» ·≈–‰¡à

„Àâ¡’°“√π” Zero Hour Rule (√“¬≈–‡Õ’¬¥„π°√Õ∫∑’Ë 3) ¡“„™â∫—ß§—∫°—∫°“√‚Õπ‡ß‘π·≈–°“√™”√–

¥ÿ≈∑’Ë°√–∑”ºà“π√–∫∫¥—ß°≈à“« °≈à“«§◊Õ „Àâ§” —Ëß‚Õπ‡ß‘πÀ√◊Õ°“√™”√–¥ÿ≈∑’Ë‰¥â¥”‡π‘π°“√ ”‡√Á®

·≈â«¡’º≈ ¡∫Ÿ√≥å·≈–‡ªìπÕ—π ‘Èπ ÿ¥ ‰¡à “¡“√∂‡æ‘°∂Õπ À√◊Õ°≈—∫√“¬°“√ À√◊Õ —Ëß„Àâ·°â‰¢

À√◊ÕÀ¬ÿ¥√–ß—∫‰¥â ·¡â„π°√≥’∑’Ë ¡“™‘°√–∫∫°“√™”√–‡ß‘π∑’ËÕ¬Ÿà¿“¬„µâ√à“ß°ÆÀ¡“¬π’È∂Ÿ°»“≈ —Ëß

æ‘∑—°…å∑√—æ¬å ∑—Èßπ’È ‡æ◊ËÕªÑÕß°—πº≈°√–∑∫µàÕ√–∫∫°“√™”√–‡ß‘π‡ªìπ≈Ÿ°‚´à √«¡∑—Èß‡æ◊ËÕ„Àâ√–∫∫

°“√™”√–‡ß‘π∑’Ë‡ªìπ‚§√ß √â“ßæ◊Èπ∞“π¢Õßª√–‡∑» ‡™àπ √–∫∫∫“∑‡πµ¡’§«“¡ Õ¥§≈âÕß°—∫

¡“µ√∞“π “°≈ ·≈–‡ªìπ°“√‡µ√’¬¡§«“¡æ√âÕ¡¥â“π°ÆÀ¡“¬‡æ◊ËÕ√Õß√—∫°“√‡™◊ËÕ¡‚¬ß√–∫∫°“√

™”√–‡ß‘π°—∫µà“ßª√–‡∑»µàÕ‰ª

∑—Èßπ’È „πªï 2554 °√™. ‰¥â„Àâ§«“¡‡ÀÁπ™Õ∫√à“ßæ√–√“™∫—≠≠—µ‘¥—ß°≈à“« ·≈– ∏ª∑. ‰¥â‡ πÕ√à“ß

æ√–√“™∫—≠≠—µ‘¥—ß°≈à“«µàÕ°√–∑√«ß°“√§≈—ß‡æ◊ËÕæ‘®“√≥“º≈—°¥—π„Àâ¡’°“√∫—ß§—∫„™âµàÕ‰ª

°√Õ∫∑’Ë 3: °“√¬°‡«âπ°“√π” Zero Hour Rule ¡“∫—ß§—∫„™â

Zero Hour Rule ‡ªìπ¢âÕ°”Àπ¥„π°ÆÀ¡“¬≈â¡≈–≈“¬¢Õß∫“ßª√–‡∑» „π°√≥’∑’Ë»“≈¡’

§” —Ëß„Àâ ∂“∫—π°“√‡ß‘π·Ààß„¥·ÀàßÀπ÷Ëß≈â¡≈–≈“¬ °“√≈â¡≈–≈“¬¥—ß°≈à“«®–¡’º≈π—∫µ—Èß·µà

«‘π“∑’·√°¢Õß«—π∑’Ë»“≈ÕÕ°§” —Ëß≈â¡≈–≈“¬ º≈∑’Ë‡°‘¥¢÷Èπ§◊Õ π‘µ‘°√√¡„¥∑’Ë ∂“∫—π‰¥â∑”

”‡√Á®≈ÿ≈à«ß‰ª·≈â«µ—Èß·µà‡«≈“À≈—ß‡∑’Ë¬ß§◊π´÷Ëß‡ªìπ«‘π“∑’·√°¢Õß«—π∑’Ë»“≈ —Ëß≈â¡≈–≈“¬

®π∂÷ß‡«≈“∑’Ë»“≈¡’§” —Ëß„Àâ≈â¡≈–≈“¬®–‡ªìπÕ—π‡ ’¬‡ª≈à“‰ª À“°¡’‡Àµÿ°“√≥å¥—ß°≈à“«‡°‘¥

¢÷Èπ„π√–∫∫°“√™”√–‡ß‘π ®–∑”„Àâ§” —Ëß‚Õπ‡ß‘π„¥ Ê ∑’Ë ¡“™‘°√–∫∫°“√™”√–‡ß‘π‰¥â∑”

”‡√Á®‰ª·≈â«µ—Èß·µà‡«≈“∑’Ë‡ªî¥∑”°“√√–∫∫°“√™”√–‡ß‘ππ—Èπ ®π∂÷ß‡«≈“∑’Ë»“≈¡’§” —Ëß„Àâ

≈â¡≈–≈“¬®√‘ß‡ªìπÕ—π∂Ÿ°‡æ‘°∂Õπ‰ª ´÷Ëß¬àÕ¡®– àßº≈„Àâ‡°‘¥§«“¡‡ ’¬À“¬µàÕ√–∫∫°“√

™”√–‡ß‘π‡ªìπ≈Ÿ°‚ à (Systemic Risk) ¥—ßπ—Èπ ®÷ß§«√¡’∫∑∫—≠≠—µ‘∑’Ë™—¥‡®π‡æ◊ËÕ°”Àπ¥°“√

18

¬°‡«âπ¡‘„Àâπ” Zero Hour Rule ¡“„™â∫—ß§—∫°—∫§” —Ëß‚Õπ‡ß‘π∑’Ë‰¥â¥”‡π‘π°“√ºà“π√–∫∫

°“√™”√–‡ß‘π∑’Ë¡’§«“¡ ”§—≠µàÕ§«“¡¡—Ëπ§ß¢Õß√–∫∫°“√‡ß‘π∑’Ë‰¥â¥”‡π‘π°“√‚¥¬¡’º≈

”‡√Á® ¡∫Ÿ√≥å·≈â«

°√≥’ª√–‡∑»‰∑¬ ∏ª∑. ‰¥â àßÀπ—ß ◊Õ∂÷ß ”π—°ß“π§≥–°√√¡°“√°ƒ…Æ’°“‡¡◊ËÕ 20 °√°Æ“§¡

2549 ‡æ◊ËÕ¢Õ„Àâ¢âÕ«‘π‘®©—¬‡°≥±å§«“¡¡’Õ¬ŸàÀ√◊Õ‰¡à¢Õß Zero Hour Rule „π°ÆÀ¡“¬

≈â¡≈–≈“¬¢Õß‰∑¬ ‡æ◊ËÕ‡µ√’¬¡§«“¡æ√âÕ¡°àÕπ°“√π”√–∫∫∫“∑‡πµ‡¢â“√à«¡‚§√ß°“√

ª√–‡¡‘π°“√ªØ‘∫—µ‘µ“¡¡“µ√∞“π “°≈ (Reports on the Observance of Standards and

Codes: ROSCs) ·≈–‚§√ß°“√ Financial Sector Assessment Program (FSAP) ‡π◊ËÕß®“°

À“°¡’°“√„™â‡°≥±å¥—ß°≈à“«„π√–∫∫°“√™”√–‡ß‘π ‚¥¬‡©æ“–Õ¬à“ß¬‘Ëß„π√–∫∫°“√‚Õπ‡ß‘π

¡Ÿ≈§à“ Ÿß ‡™àπ √–∫∫∫“∑‡πµ ®–∑”„Àâ‡°‘¥§«“¡‡ ’¬À“¬µàÕ√–∫∫°“√™”√–‡ß‘π‡ªìπ≈Ÿ°‚´à

àßº≈µàÕ§«“¡‡ ’Ë¬ß¥â“π°“√™”√–‡ß‘π¢Õßª√–‡∑»‰¥â

”π—°ß“π§≥–°√√¡°“√°ƒ…Æ’°“‰¥â àß§”«‘π‘®©—¬‡¡◊ËÕ µÿ≈“§¡ 2549 ·®âß„Àâ∑√“∫«à“

°ÆÀ¡“¬≈â¡≈–≈“¬‰¡à¡’∫∑∫—≠≠—µ‘°”Àπ¥™—¥‡®π‡°’Ë¬«°—∫‡«≈“‡√‘Ë¡µâπ¢Õß°“√¡’º≈ºŸ°æ—π

¢Õß§” —Ëßæ‘∑—°…å∑√—æ¬å ¥—ßπ—Èπ ®÷ß«‘π‘®©—¬‰¥â«à“§” —Ëß¥—ß°≈à“«®–¡’º≈ºŸ°æ—πµ—Èß·µà‡«≈“∑’Ë

»“≈¡’§” —Ëß‡ªìπµâπ‰ª ‰¡à‰¥â¬âÕπ‰ª ≥ ‡«≈“µâπ«—π¢Õß«—π∑’Ë»“≈¡’§” —Ëß

Õ¬à“ß‰√°Á¥’ „πªï 2550 ºŸâ‡™’Ë¬«™“≠®“°°Õß∑ÿπ°“√‡ß‘π√–À«à“ßª√–‡∑» (International

Monetary Fund: IMF) ´÷Ëß‡ªìπºŸâª√–‡¡‘π√–∫∫∫“∑‡πµµ“¡¡“µ√∞“π “°≈ (BIS Core

Principles for Systemically Important Payment Systems) „π‚§√ß°“√ FSAP ‰¥â„Àâ

§«“¡‡ÀÁπ«à“ °“√ªØ‘∫—µ‘°“√¢Õß√–∫∫∫“∑‡πµ ·≈–°“√‚Õπ‡ß‘πºà“π√–∫∫¥—ß°≈à“«¡’

°ÆÀ¡“¬√Õß√—∫∑’Ë¥’æÕ ¡§«√ ·µà¬—ß¡’§«“¡‰¡à™—¥‡®π«à“À“°»“≈¡’§” —Ëßæ‘∑—°…å∑√—æ¬å

¡“™‘°√“¬„¥√“¬Àπ÷Ëß„π√–∫∫·≈â« °“√‚Õπ‡ß‘π·≈–°“√™”√–¥ÿ≈¢Õß ¡“™‘°√“¬π—Èπ∑’Ë‰¥â

¥”‡π‘π°“√ ”‡√Á®‰ª·≈â«°àÕπ‡«≈“æ‘∑—°…å∑√—æ¬åÕ“®®–∂Ÿ°‡æ‘°∂Õπ‰¥â ®÷ß‰¥â‡ πÕ·π–„Àâ

ª√–‡∑»‰∑¬¥”‡π‘π°“√‡æ◊ËÕ„Àâ¡’°ÆÀ¡“¬∑’Ë¡’∫∑∫—≠≠—µ‘∑’Ë¬°‡«âπ‰¡à„Àâ¡’°“√π” Zero Hour

Rule ¡“„™â∫—ß§—∫°—∫§” —Ëß‚Õπ‡ß‘π·≈–„Àâ¡’°“√°”Àπ¥º≈ ¡∫Ÿ√≥å¢Õß°“√‚Õπ‡ß‘π∑’Ë‡ªìπ

Õ—π ‘Èπ ÿ¥‰¡à “¡“√∂‡æ‘°∂Õπ‰¥â (Payment Finality) ‡æ◊ËÕ„Àâ§” —Ëß‚Õπ‡ß‘π·≈–§” —Ëß™”√–

¥ÿ≈°“√À—°∫—≠™’∑’Ë‰¥â∑” ”‡√Á®≈ÿ≈à«ß‰ª·≈â« ¡’º≈ ¡∫Ÿ√≥å·≈–‡ªìπÕ—π ‘Èπ ÿ¥ ‰¡à “¡“√∂‡æ‘°

∂Õπ À√◊Õ°≈—∫√“¬°“√ À√◊Õ —Ëß„Àâ·°â‰¢ À√◊ÕÀ¬ÿ¥√–ß—∫°“√®à“¬‡ß‘ππ—Èπ‰¥â ·¡â¡’°√≥’∑’Ë»“≈

¡’§” —Ëßæ‘∑—°…å∑√—æ¬å ¡“™‘°„π√–∫∫°“√™”√–‡ß‘πÀ√◊Õ¡’§” —Ëß„Àâ≈â¡≈–≈“¬ ∑—Èßπ’È ‡æ◊ËÕ

ªÑÕß°—πº≈°√–∑∫µàÕ√–∫∫°“√™”√–‡ß‘π‡ªìπ≈Ÿ°‚´à (Systemic Risk)

19

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

ø√’§√—Èß·√°¢Õß‡¥◊Õπ

§√—ÈßµàÕ‰ª‰¡à‡°‘π 15 ∫“∑/

√“¬°“√

¿“¬„π

31 ¡’π“§¡ 2554

‰¡à‡°‘π 15 ∫“∑/√“¬°“√¿“¬„π

31 ¡’π“§¡ 2554

ø√’ 4 §√—Èß/‡¥◊Õπ

·≈–µ—Èß·µà§√—Èß∑’Ë 5 ‡ªìπµâπ‰ª*

‡æ‘Ë¡Õ’°‰¡à‡°‘π 10 ∫“∑/

√“¬°“√

Õ—µ√“‡¥’¬«°—π∑—Èß„π °∑¡.

·≈–®—ßÀ«—¥Õ◊Ëπ

¿“¬„π

30 ¡‘∂ÿπ“¬π 2554

* °“√§‘¥§à“∏√√¡‡π’¬¡ ”À√—∫√“¬°“√§√—Èß∑’Ë 5 ‡ªìπµâπ‰ª ‡æ‘Ë¡Õ’°‰¡à‡°‘π 10 ∫“∑/√“¬°“√ „π¢âÕ 4 ·≈– 5 ®–π—∫®”π«π§√—Èß°“√∂Õπ‡ß‘π/∂“¡¬Õ¥ºà“π‡Õ∑’‡ÕÁ¡µà“ß∏π“§“√ √«¡°—π∑—Èß°“√∑”√“¬°“√„π®—ßÀ«—¥‡¥’¬«°—π (µ“¡¢âÕ 4) ·≈–¢â“¡®—ßÀ«—¥/‡¢µ ”π—°À—°∫—≠™’ (µ“¡¢âÕ 5)

Õ—µ√“‡¥’¬«‰¡à‡°‘π 12 ∫“∑

µàÕ√“¬°“√ (‚Õπ‡ß‘π‰¥â‰¡à‡°‘π

2,000,000 ∫“∑/√“¬°“√)

15 ∏—π«“§¡ 2553

1.2.4 °“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π

„πªï 2554 ∏ª∑. √à«¡°—∫ ¡“§¡∏π“§“√‰∑¬‰¥âª√—∫ª√ÿß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π¢Õß

∏π“§“√æ“≥‘™¬å ´÷Ëß‡ªìπ à«πÀπ÷Ëß¢Õß°“√¥”‡π‘πß“π¿“¬„µâ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2553

‚¥¬¡’«—µ∂ÿª√– ß§åÀ≈—°‡æ◊ËÕ π—∫ πÿπ°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å„Àâ‡æ‘Ë¡¡“°¢÷Èπ °“√ª√—∫ª√ÿß

§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π¡’√“¬≈–‡Õ’¬¥µ“¡µ“√“ß∑’Ë 1

µ“√“ß∑’Ë 1: √ÿª°“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π¢Õß ¡“§¡∏π“§“√‰∑¬

§à“∏√√¡‡π’¬¡‡¥‘¡ §à“∏√√¡‡π’¬¡„À¡à °”Àπ¥°“√‡√‘Ë¡„™â

1. ∫√‘°“√‚Õπ‡ß‘π√“¬¬àÕ¬√–À«à“ß∏π“§“√

§√—Èß≈–À≈“¬√“¬°“√ (NITMX Bulk

Payment - Credit Next Day)

- °“√‚Õπ‡ß‘π‰¡à‡°‘π 100,000 ∫“∑

§‘¥§à“∏√√¡‡π’¬¡ 12 ∫“∑

- °“√‚Õπ‡ß‘π‡°‘π°«à“ 100,000 ∂÷ß 500,000 ∫“∑

§‘¥§à“∏√√¡‡π’¬¡ 40 ∫“∑

- °“√‚Õπ‡ß‘π‡°‘π°«à“ 500,000 ∂÷ß 2,000,000 ∫“∑

§‘¥§à“∏√√¡‡π’¬¡ 100 ∫“∑

2. °“√‚Õπ‡ß‘π„π∏π“§“√‡¥’¬«°—π¢â“¡‡¢µ

∏æ. à«π„À≠à§‘¥À¡◊Ëπ≈– 10 ∫“∑

(¢—ÈπµË” 10 ∫“∑ Ÿß ÿ¥‰¡à‡°‘π 1,000 ∫“∑)

+ §à“∫√‘°“√ 10 ∫“∑

3. °“√∂Õπ‡ß‘π„π∏π“§“√‡¥’¬«°—π¢â“¡‡¢µ

∏æ. à«π„À≠à§‘¥À¡◊Ëπ≈– 10 ∫“∑

(¢—ÈπµË” 10 ∫“∑ Ÿß ÿ¥‰¡à‡°‘π 1,000 ∫“∑)

+ §à“∫√‘°“√ 10 ∫“∑

4. °“√∂Õπ‡ß‘π/∂“¡¬Õ¥ºà“π ATM µà“ß∏π“§“√

„π®—ßÀ«—¥‡¥’¬«°—π

°√ÿß‡∑æœ

ë ø√’ 4 §√—Èß/‡¥◊Õπ ·≈–µ—Èß·µà§√—Èß∑’Ë 5 ‡ªìπµâπ‰ª

‰¡à‡°‘π 5 ∫“∑/√“¬°“√

µà“ß®—ßÀ«—¥

ë ¢—ÈπµË” 20 - 25 ∫“∑/√“¬°“√ ·≈–µ—Èß·µà§√—Èß∑’Ë 5

‡ªìπµâπ‰ª ‡æ‘Ë¡Õ’°‰¡à‡°‘π 5 ∫“∑/√“¬°“√

20

§à“∏√√¡‡π’¬¡‡¥‘¡ §à“∏√√¡‡π’¬¡„À¡à °”Àπ¥°“√‡√‘Ë¡„™â

5. °“√∂Õπ‡ß‘πºà“π ATM µà“ß∏π“§“√¢â“¡‡¢µ

∏æ. à«π„À≠à§‘¥À¡◊Ëπ≈– 10 ∫“∑

¢—ÈπµË” 20 - 25 ∫“∑/√“¬°“√ ·≈–µ—Èß·µà§√—Èß∑’Ë 5

‡ªìπµâπ‰ª ‡æ‘Ë¡Õ’°‰¡à‡°‘π 5 ∫“∑/√“¬°“√

º≈®“°°“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡¥—ß°≈à“« ¡’ à«π™à«¬≈¥¿“√–§à“„™â®à“¬„Àâ·°àª√–™“™π ·≈–∑”„Àâ

¿“§∏ÿ√°‘® “¡“√∂„™â°“√‚Õπ‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å·∑π°“√„™â‡™Á§‰¥â¡“°¢÷Èπ ‡ÀÁπ‰¥â®“°ª√‘¡“≥

∏ÿ√°√√¡∑’Ë‡æ‘Ë¡¢÷ÈπÕ¬à“ß¡“° ‚¥¬‡©æ“–°√≥’ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥

´÷Ëß‡¥‘¡®–®à“¬‡ß‘πªíπº≈ à«π„À≠à¥â«¬‡™Á§ ‡π◊ËÕß®“°§à“∏√√¡‡π’¬¡¢Õß∫√‘°“√‚Õπ‡ß‘π√“¬¬àÕ¬

√–À«à“ß∏π“§“√§√—Èß≈–À≈“¬√“¬°“√ (NITMX Bulk Payment - Credit Next Day) Ÿß°«à“

§à“∏√√¡‡π’¬¡‡™Á§ ·µàÀ≈—ß®“°°“√ª√—∫ª√ÿß§à“∏√√¡‡π’¬¡¥—ß°≈à“« ∑”„Àâ„πªï 2554 ∫√‘…—∑®à“¬‡ß‘π

ªíπº≈¥â«¬∫√‘°“√ NITMX Bulk Payment ¡“°¢÷Èπ

1.3 √–∫∫°“√™”√–‡ß‘π∑’Ë ∏ª∑. „Àâ∫√‘°“√

1.3.1 √–∫∫∫“∑‡πµ (Bank of Thailand Automated High-value Transfer Network: BAHTNET)

√–∫∫∫“∑‡πµ‡ªìπ√–∫∫‡§√◊Õ¢à“¬°“√‚Õπ‡ß‘π¡Ÿ≈§à“ Ÿß∑“ßÕ‘‡≈Á°∑√Õπ‘° å∑’Ë√Õß√—∫°“√‚Õπ‡ß‘π

√–À«à“ß ∂“∫—π„π≈—°…≥– Real Time Gross Settlement (RTGS) ´÷Ëß ∏ª∑. ‰¥âæ—≤π“·≈–„Àâ

∫√‘°“√µ—Èß·µàªï 2538 ‡æ◊ËÕ™à«¬≈¥§«“¡‡ ’Ë¬ß„π°“√™”√–¥ÿ≈√–À«à“ß ∂“∫—π ∑”„Àâ°“√™”√–‡ß‘π¡’

§«“¡√«¥‡√Á« ª≈Õ¥¿—¬ ∫√‘°“√À≈—°∑’Ë„Àâ∫√‘°“√ª√–°Õ∫¥â«¬ °“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π °“√

‚Õπ‡ß‘π‡æ◊ËÕ≈Ÿ°§â“ √«¡∂÷ß°“√√—∫ àß¢âÕ§«“¡√–À«à“ß ∂“∫—π

°“√¥”‡π‘π°“√¢Õß ∏ª∑. „π°“√ª√—∫ª√ÿß¡“µ√°“√®—¥°“√§«“¡‡ ’Ë¬ß ·≈–«‘∏’ªØ‘∫—µ‘„π√–∫∫∫“∑

‡πµ „πªï 2554 ¡’¥—ßπ’È

1) ¡“µ√°“√®—¥°“√§«“¡‡ ’Ë¬ß®“°°“√™”√–¥ÿ≈ ÿ∑∏‘æ√âÕ¡°—πÀ≈“¬ΩÉ“¬„π√–∫∫∫“∑‡πµ

(Securities Requirement for Settlement: SRS)

‰¡à‡°‘π 20 ∫“∑/√“¬°“√

·≈–µ—Èß·µà§√—Èß∑’Ë 5 ‡ªìπµâπ‰ª*

‡æ‘Ë¡Õ’°‰¡à‡°‘π 10 ∫“∑/

√“¬°“√

¿“¬„π

30 ¡‘∂ÿπ“¬π 2554

* °“√§‘¥§à“∏√√¡‡π’¬¡ ”À√—∫√“¬°“√§√—Èß∑’Ë 5 ‡ªìπµâπ‰ª ‡æ‘Ë¡Õ’°‰¡à‡°‘π 10 ∫“∑/√“¬°“√ „π¢âÕ 4 ·≈– 5 ®–π—∫®”π«π§√—Èß°“√∂Õπ‡ß‘π/∂“¡¬Õ¥ºà“π‡Õ∑’‡ÕÁ¡µà“ß∏π“§“√ √«¡°—π∑—Èß°“√∑”√“¬°“√„π®—ßÀ«—¥‡¥’¬«°—π (µ“¡¢âÕ 4) ·≈–¢â“¡®—ßÀ«—¥/‡¢µ ”π—°À—°∫—≠™’ (µ“¡¢âÕ 5)

21

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

¡“µ√°“√®—¥°“√§«“¡‡ ’Ë¬ß®“°°“√™”√–¥ÿ≈ ÿ∑∏‘æ√âÕ¡°—πÀ≈“¬ΩÉ“¬„π√–∫∫∫“∑‡πµ ‡ªìπ

¡“µ√°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß„π√–∫∫∫“∑‡πµ ÷Ëß°”Àπ¥„Àâ ∂“∫—π°“√‡ß‘πµâÕß¥”√ßµ√“ “√

Àπ’Èµ“¡‡°≥±å∑’Ë ∏ª∑. °”Àπ¥ ‡æ◊ËÕ‡ªìπÀ≈—°ª√–°—π°√≥’∑’Ë∏π“§“√ ¡“™‘°¡’§«“¡®”‡ªìπµâÕß

„™â‡ªìπ·À≈àß‡ß‘π ÿ¥∑â“¬‡æ◊ËÕ°“√™”√–¥ÿ≈·∫∫ Net Settlement4 „π√–∫∫∫“∑‡πµ ‡æ◊ËÕ≈¥

§«“¡‡ ’Ë¬ß¥â“π°“√™”√–¥ÿ≈ (Settlement Risk) °√≥’∑’Ë ∂“∫—π°“√‡ß‘π∫“ß·ÀàßÕ“®‰¡à “¡“√∂

™”√–¬Õ¥¢“¥¥ÿ≈‰¥â ·≈– àßº≈°√–∑∫µàÕ ∂“∫—π°“√‡ß‘πÕ◊Ëπ Ê „π≈—°…≥–‡ªìπ≈Ÿ°‚ à ®πÕ“®

°àÕ„Àâ‡°‘¥º≈°√–∑∫µàÕ√–∫∫ ∂“∫—π°“√‡ß‘π‡ªìπ«ß°«â“ß (À≈—°°“√„π°“√∫√‘À“√®—¥°“√

§«“¡‡ ’Ë¬ß¥â“π°“√™”√–¥ÿ≈ “¡“√∂¥Ÿ‰¥â®“°°√Õ∫∑’Ë 4)

„πªï 2554 ∏ª∑. ‰¥â®—¥µ—Èß§≥–∑”ß“π√à«¡´÷Ëßª√–°Õ∫¥â«¬ ∏ª∑. ºŸâ·∑π®“° ¡“§¡∏π“§“√

‰∑¬ ¡“§¡∏π“§“√π“π“™“µ‘ ·≈– ∂“∫—π°“√‡ß‘πæ‘‡»…¢Õß√—∞ ‡æ◊ËÕæ‘®“√≥“°”Àπ¥ —¥ à«π

¢Õß°“√¥”√ßµ√“ “√Àπ’È √«¡∑—Èß·π«∑“ß°“√¥”√ßÀ≈—°ª√–°—π∑’Ë‡À¡“– ¡‡æ◊ËÕ‰¡à„Àâ‡ªìπ°“√

‡æ‘Ë¡¿“√–„Àâ°—∫∏π“§“√ ¡“™‘°¡“°‡°‘π§«“¡®”‡ªìπ ·≈–§≥–∑”ß“π®–π”¢âÕ √ÿª¢Õß

À≈—°°“√·≈–°Æ‡°≥±åµà“ß Ê ¢Õß¡“µ√°“√ SRS ‡ πÕµàÕ °√™. ‡æ◊ËÕ¢Õ§«“¡‡ÀÁπ™Õ∫µàÕ‰ª

2) °“√„™âµ√“ “√Àπ’È‡æ◊ËÕ‡ß‘π ¿“æ§≈àÕß√–À«à“ß«—π (Intraday Liquidity Facilities: ILF) ‡ªìπ

À≈—°ª√–°—π°“√„Àâ°Ÿâ¬◊¡¢Õß ∏ª∑. „π°√≥’«—πÀ¬ÿ¥∑”°“√æ‘‡»…©ÿ°‡©‘π

«ß‡ß‘π ¿“æ§≈àÕß√–À«à“ß«—π (Intraday Liquidity Facility: ILF) ‡ªìπ‡§√◊ËÕß¡◊Õ∑’Ë™à«¬„Àâ

∂“∫—π°“√‡ß‘πºŸâ„™â∫√‘°“√∫“∑‡πµ “¡“√∂∫√‘À“√ ¿“æ§≈àÕß√–À«à“ß«—π ”À√—∫°“√‚Õπ‡ß‘π

„π√–∫∫∫“∑‡πµ ‡æ◊ËÕ„Àâ “¡“√∂‚Õπ‡ß‘π‰¥â‚¥¬‰¡àµ‘¥¢—¥ ‚¥¬ ∂“∫—π°“√‡ß‘πºŸâ„™â∫√‘°“√

∫“∑‡πµ “¡“√∂¢“¬µ√“ “√Àπ’È„Àâ·°à ∏ª∑. ‚¥¬¡’ —≠≠“«à“®–´◊ÈÕ§◊π‡¡◊ËÕ ‘Èπ«—π·≈– ∏ª∑. ®–

®—¥ √√‡ß‘π ¿“æ§≈àÕß‡¢â“∫—≠™’ ∂“∫—π°“√‡ß‘π‡æ◊ËÕ„™â‡ªìπ ¿“æ§≈àÕß ”À√—∫°“√‚Õπ‡ß‘π„π

√–∫∫∫“∑‡πµ ‚¥¬®”π«π«ß‡ß‘π∑’Ë®—¥ √√„Àâπ—Èπ¢÷ÈπÕ¬Ÿà°—∫¡Ÿ≈§à“µ√“ “√Àπ’È∑’Ëπ”¡“«“ß‡ªìπ

ª√–°—π·≈– ∏ª∑. ®–‰¡à§‘¥§à“∏√√¡‡π’¬¡„π°“√„™â«ß‡ß‘π¥—ß°≈à“«„π√–À«à“ß«—π ¬°‡«âπ„π

°√≥’∑’Ë¡’°“√„™â«ß‡ß‘π¢â“¡«—π (Overnight) ÷Ëß®–§‘¥º≈µÕ∫·∑π‡∑à“°—∫Õ—µ√“¥Õ°‡∫’È¬µ≈“¥

´◊ÈÕ§◊πª√–‡¿∑ 14 «—π (Policy Rate) ¢Õß«—π∑”°“√°àÕπ∫«°¥â«¬√âÕ¬≈– 0.5 µàÕªï

„πªï 2554 ∏ª∑. ‰¥â°”Àπ¥·π«∑“ßªØ‘∫—µ‘‡æ◊ËÕ√Õß√—∫°“√„Àâ ¿“æ§≈àÕß·°à ∂“∫—π°“√‡ß‘π

„π°√≥’∑’Ë ∏ª∑. ª√–°“»«—πÀ¬ÿ¥∑”°“√æ‘‡»…·∫∫©ÿ°‡©‘π∑’Ë¡’√–¬–‡«≈“‡°‘π°«à“ 1 «—π∑”°“√

∑’ËÕ“® àßº≈„Àâ ∂“∫—π°“√‡ß‘πµâÕß°Ÿâ¬◊¡‡ß‘π®“° ∏ª∑. ‡æ◊ËÕ„™â‡ªìπ ¿“æ§≈àÕß„π°“√‡∫‘°∂Õπ

4 °“√™”√–¥ÿ≈„π≈—°…≥– Net Settlement ‡ªìπ°“√™”√–‡ß‘π√–À«à“ß ¡“™‘°„π√–∫∫ ‚¥¬π”¬Õ¥‡ß‘π∑’Ë ¡“™‘°·µà≈–√“¬¡’¿“√–µâÕß

™”√–„Àâ°—∫ ¡“™‘°√“¬Õ◊Ëπ¡“À—°°≈∫≈∫Àπ’È°—π°àÕπ¥”‡π‘π°“√™”√–‡ß‘π®√‘ß ÷Ëß àßº≈„Àâ¬Õ¥‡ß‘π∑’Ë™”√–√–À«à“ß ¡“™‘°¡’®”π«π

πâÕ¬°«à“°“√™”√–¬Õ¥‡ß‘π√–À«à“ß°—π„π·µà≈–√“¬°“√ µ—«Õ¬à“ß¢Õß√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬∑’Ë„™â°“√™”√–¥ÿ≈„π≈—°…≥– Net

Settlement ‡™àπ °“√™”√–¥ÿ≈°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ ·≈–°“√™”√–¥ÿ≈¢Õß∏ÿ√°√√¡°“√∂Õπ/‚Õπ‡ß‘π√–À«à“ß∏π“§“√

ºà“π‡Õ∑’‡ÕÁ¡

22

‡ß‘π ¥®“°∫—≠™’‡ß‘πΩ“°∑’Ë ∏ª∑. ”À√—∫„™â„ à„πµŸâ‡Õ∑’‡ÕÁ¡‡æ◊ËÕ√Õß√—∫°“√‡∫‘°∂Õπ‡ß‘π ¥¢Õß

ª√–™“™π‰«â„™â®à“¬„π™à«ß«—πÀ¬ÿ¥æ‘‡»…©ÿ°‡©‘π¥—ß°≈à“« ‚¥¬ ∏ª∑. ®–¡’°“√¥”‡π‘π°“√ ¥—ßπ’È

ë „π«—π·√°¢Õß«—πÀ¬ÿ¥∑”°“√æ‘‡»…©ÿ°‡©‘π ∏ª∑. ®–‡ªî¥√–∫∫∫“∑‡πµ·≈–√–∫∫§” —Ëß

Ω“°∂Õπ∏π∫—µ√ (Banknote Ordering System: BOS) ‡æ◊ËÕ„Àâ ∂“∫—π°“√‡ß‘π∫√‘À“√

‡ß‘π ¥ºà“π√–∫∫ BOS ”À√—∫√Õß√—∫°“√‡∫‘°∂Õπ‡ß‘π ¥ºà“π‡§√◊ËÕß‡Õ∑’‡ÕÁ¡

ë „Àâ ∂“∫—π°“√‡ß‘π„™âµ√“ “√Àπ’È‡æ◊ËÕ ILF ÷Ëß‡ªìπ ‘π∑√—æ¬åÀ≈—°ª√–°—π™—ÈπÀπ÷Ëßµ“¡∑’Ë ∏ª∑.

°”Àπ¥ ‡ªìπª√–°—π°“√¢Õ°Ÿâ¬◊¡®“° ∏ª∑. µ“¡¡“µ√“ 415 ·Ààßæ√–√“™∫—≠≠—µ‘∏π“§“√

·Ààßª√–‡∑»‰∑¬ æÿ∑∏»—°√“™ 2485 ´÷Ëß·°â‰¢‡æ‘Ë¡‡µ‘¡‚¥¬æ√–√“™∫—≠≠—µ‘∏π“§“√·Ààß

ª√–‡∑»‰∑¬ (©∫—∫∑’Ë 4) æ.». 2551

°√Õ∫∑’Ë 4: °“√∫√‘À“√®—¥°“√§«“¡‡ ’Ë¬ß¥â“π°“√™”√–¥ÿ≈ (Settlement Risk Management)

Bank for International Settlement (BIS) Core Principles for Systemically Important

Payment Systems ‡ªìπÀ≈—°ªØ‘∫—µ‘∑’Ë‡ªìπ¡“µ√∞“π “°≈ ”À√—∫√–∫∫°“√™”√–‡ß‘π∑’Ë¡’

§«“¡ ”§—≠µàÕ√–∫∫°“√‡ß‘π¢Õßª√–‡∑» ‡æ◊ËÕ™à«¬ π—∫ πÿπ„Àâ√–∫∫¡’ª√– ‘∑∏‘¿“æ·≈–

ª≈Õ¥¿—¬ ª√–°Õ∫¥â«¬À≈—° ”§—≠ 10 ª√–°“√ ‚¥¬¢âÕ∑’Ë 5 √–∫ÿ«à“ √–∫∫°“√™”√–‡ß‘π∑’Ë¡’

°“√™”√–¥ÿ≈°“√À—°∫—≠™’√–À«à“ß∏π“§“√„π≈—°…≥–°“√™”√–¥ÿ≈ ÿ∑∏‘æ√âÕ¡°—πÀ≈“¬ΩÉ“¬

(Multilateral Net Settlement) §«√¡’°“√°”Àπ¥¡“µ√°“√®—¥°“√§«“¡‡ ’Ë¬ß¥â“π°“√™”√–¥ÿ≈

‡æ◊ËÕ„Àâ¡—Ëπ„®«à“Õ¬à“ßπâÕ¬∑’Ë ÿ¥ °“√™”√–¥ÿ≈®– “¡“√∂‡ √Á® ¡∫Ÿ√≥å‰¥âµ“¡°”Àπ¥ ·¡â„π

°√≥’∏π“§“√ ¡“™‘°∑’Ë¡’¬Õ¥¢“¥¥ÿ≈ Ÿß ÿ¥ 1 √“¬ ‰¡à “¡“√∂™”√–¥ÿ≈‰¥â ‚¥¬ “¡“√∂

®”·π°‰¥â‡ªìπ 3 «‘∏’°“√ ¥—ßπ’È

1. Defaulters Pay

∂“∫—π ¡“™‘°„π√–∫∫°“√™”√–‡ß‘π·µà≈–√“¬®–‡ªìπºŸâ√—∫º‘¥™Õ∫À“° ∂“∫—πµπ‡Õß‰¡à

“¡“√∂™”√–¥ÿ≈‰¥â ‚¥¬π”À≈—°∑√—æ¬å¢Õßµπ∑’Ë‰¥â«“ß‰«â‡æ◊ËÕ‡ªìπÀ≈—°ª√–°—π¡“„™â‡æ◊ËÕ

™”√–¥ÿ≈·∑π ‡æ◊ËÕ„Àâ√–∫∫°“√™”√–‡ß‘π “¡“√∂¥”‡π‘πµàÕ‰ª‰¥â ∑—Èßπ’È „π∑“ßªØ‘∫—µ‘‚¥¬

∑—Ë«‰ª®–„™âÀ≈—°ª√–°—π∑’Ë “¡“√∂‡ª≈’Ë¬π‡ªìπ ¿“æ§≈àÕß‡æ◊ËÕ°“√™”√–¥ÿ≈‰¥â‚¥¬ßà“¬ ‡™àπ

æ—π∏∫—µ√

5 ¡“µ√“ 41 °”Àπ¥„Àâ ∏ª∑. ‡ªìππ“¬∏π“§“√¢Õß ∂“∫—π°“√‡ß‘π ‚¥¬¡’Õ”π“®Àπâ“∑’Ë ¥—ßµàÕ‰ªπ’È1) „Àâ°Ÿâ¬◊¡‡ß‘π·°à ∂“∫—π°“√‡ß‘π‚¥¬¡’°”Àπ¥√–¬–‡«≈“‰¡à‡°‘πÀ°‡¥◊Õπ ·≈–µâÕß¡’ ‘π∑√—æ¬åÀ≈—°ª√–°—π™—ÈπÀπ÷Ëß∑’Ë ∏ª∑. °”Àπ¥

µ“¡¡“µ√“ 33(7) ‡ªìπª√–°—π ∑—Èßπ’È µ“¡À≈—°‡°≥±å·≈–‡ß◊ËÕπ‰¢∑’Ë ∏ª∑. °”Àπ¥2) √—∫‡°Á∫√—°…“‡ß‘π À≈—°∑√—æ¬å À√◊Õ¢Õß¡’§à“Õ¬à“ßÕ◊Ëπ¢Õß ∂“∫—π°“√‡ß‘π √«¡∑—Èßº≈ª√–‚¬™πå„πÀ≈—°∑√—æ¬åπ—Èπ‰¡à«à“®–‡ªìπ‡ß‘π

µâπÀ√◊Õ¥Õ°‡∫’È¬3) —Ëß„Àâ ∂“∫—π°“√‡ß‘π„¥ àß√“¬ß“π‡°’Ë¬«°—∫ ‘π∑√—æ¬å Àπ’È ‘π ¿“√–ºŸ°æ—πµ“¡∑’Ë ∏ª∑. °”Àπ¥ ·≈–Õ“®‡√’¬°„Àâ ∂“∫—π°“√‡ß‘π

™’È·®ß‡æ◊ËÕÕ∏‘∫“¬À√◊Õ¢¬“¬§«“¡„π√“¬ß“ππ—Èπ‰¥â°“√„Àâ°Ÿâ¬◊¡‡ß‘πµ“¡ 1) „ÀâÀ¡“¬§«“¡√«¡∂÷ß°“√´◊ÈÕ ‘π∑√—æ¬åÀ≈—°ª√–°—π™—ÈπÀπ÷Ëßµ“¡¡“µ√“ 33(7) ®“° ∂“∫—π°“√‡ß‘π‚¥¬¡’ —≠≠“¢“¬§◊π·°à ∂“∫—π°“√‡ß‘ππ—Èπ¥â«¬

23

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

2. Survivors Pay

‡¡◊ËÕ‡°‘¥‡Àµÿ°“√≥å∑’Ë¡’ ∂“∫—π ¡“™‘°„¥ Ê ‰¡à “¡“√∂™”√–¥ÿ≈‰¥â ¡“™‘°∑’Ë‡À≈◊Õ

(Survivors) ®–√à«¡°—π√—∫º‘¥™Õ∫¬Õ¥¢“¥¥ÿ≈¢Õß ¡“™‘°ºŸâ™”√–¥ÿ≈‰¡à‰¥â À√◊Õ∑’Ë‡√’¬°«à“

Loss-sharing Arrangement ∑—Èßπ’È ‡æ◊ËÕ„Àâ°“√™”√–¥ÿ≈ “¡“√∂¥”‡π‘π°“√‰¥â‡ √Á® ‘Èπ

¡∫Ÿ√≥å¿“¬„π‡«≈“∑’Ë°”Àπ¥

3. Third Parties Pay

∂“∫—πÕ◊Ëπ∑’Ë‰¡à„™à ¡“™‘°¢Õß√–∫∫°“√™”√–‡ß‘π‡ªìπºŸâ√—∫º‘¥™Õ∫¬Õ¥¢“¥¥ÿ≈¢Õß ¡“™‘°

ºŸâ™”√–¥ÿ≈‰¡à‰¥â ÷Ëß‚¥¬∑—Ë«‰ª®–‡ªìπ∏π“§“√°≈“ß¢Õß·µà≈–ª√–‡∑»‡ªìπºŸâ„Àâ§«“¡™à«¬‡À≈◊Õ

¿“æ§≈àÕß‡æ‘Ë¡‡µ‘¡„π∞“π–π“¬∏π“§“√¢Õß ∂“∫—π°“√‡ß‘π

(∑’Ë¡“: Real-time Gross Settlement Systems, BIS, March 1997)

1.3.2 √–∫∫ Imaged Cheque Clearing and Archive System (ICAS)

∏ª∑. ‰¥âæ—≤π“√–∫∫°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√¥â«¬¿“æ‡™Á§ ‚¥¬¡’«—µ∂ÿª√– ß§å‡æ◊ËÕ

∑¥·∑π√–∫∫°“√À—°∫—≠™’‡™Á§ªí®®ÿ∫—π ≈¥√–¬–‡«≈“°“√‡√’¬°‡°Á∫‡ªìπ 1 «—π∑”°“√∑—Ë«ª√–‡∑» ‡æ‘Ë¡

√–¬–‡«≈“Ω“°‡™Á§¢Õß≈Ÿ°§â“ ≈¥§«“¡‡ ’Ë¬ß„π°“√¢π àßµ—«‡™Á§ ≈¥µâπ∑ÿπ¢Õß√–∫∫°“√À—°∫—≠™’‡™Á§

·≈–‡æ‘Ë¡ª√– ‘∑∏‘¿“æ°“√À—°∫—≠™’‡™Á§ ‚¥¬„™â¿“æ‡™Á§„π°“√‡√’¬°‡°Á∫·∑πµ—«‡™Á§‰¥â∑—Ë«ª√–‡∑»

„πªï 2554 ∏ª∑. ·≈–∏π“§“√ ¡“™‘°‰¥â√à«¡°—πæ—≤π“·≈–∑¥ Õ∫√–∫∫ß“π √«¡∂÷ß°”Àπ¥√–‡∫’¬∫

À≈—°‡°≥±å æ‘∏’ªØ‘∫—µ‘ ·≈–·ºπ√Õß√—∫°√≥’©ÿ°‡©‘π ‚¥¬ ∏ª∑. ‰¥âµ‘¥µ“¡§«“¡æ√âÕ¡¢Õß∏π“§“√

¡“™‘°Õ¬à“ß ¡Ë”‡ ¡Õ ‡æ◊ËÕ„Àâ¡—Ëπ„®«à“∏π“§“√ ¡“™‘°∑ÿ°·Ààß¡’§«“¡æ√âÕ¡„π°“√‡√‘Ë¡„™âß“π√–∫∫

ICAS πÕ°®“°π’È ∏ª∑. ‰¥âª√–™“ —¡æ—π∏å§«“¡√Ÿâ·°à¿“§∏ÿ√°‘® ª√–™“™π ·≈–∫ÿ§≈“°√¿“§°ÆÀ¡“¬

‡æ◊ËÕ„Àâ¡’§«“¡√Ÿâ§«“¡‡¢â“„®∑’Ë∂Ÿ°µâÕß·≈–¡’§«“¡‡™◊ËÕ¡—Ëπ„π√–∫∫

∏ª∑. ‰¥â‡√‘Ë¡„™âß“π√–∫∫ ICAS „π‡¢µ°√ÿß‡∑æ¡À“π§√·≈–ª√‘¡≥±≈„π«—π∑’Ë 3 °ÿ¡¿“æ—π∏å 2555

·≈–§“¥«à“®–¢¬“¬°“√„Àâ∫√‘°“√‰ª¬—ßµà“ß®—ßÀ«—¥∑—Ë«ª√–‡∑»‰¥â„πªï 2556

°√Õ∫∑’Ë 5: °“√√—°…“§«“¡¡—Ëπ§ßª≈Õ¥¿—¬„π√–∫∫ ICAS

¡“µ√°“√√—°…“§«“¡ª≈Õ¥¿—¬„π√–∫∫ ICAS ∑’Ë∑”„ÀâºŸâ„™â‡°‘¥§«“¡¡—Ëπ„®„π√–∫∫∑’Ë‰¥â√—∫

°“√æ—≤π“¢÷Èπ¡“„À¡àπ’È ª√–°Õ∫¥â«¬

24

ë §«“¡ª≈Õ¥¿—¬¢Õßµ—«‡™Á§

∏ª∑. ‰¥âª√—∫ª√ÿß¡“µ√∞“π‡™Á§ ‚¥¬‡™Á§¡“µ√∞“π„À¡àπ’È¡’≈“¬πÈ” —≠≈—°…≥å ICAS

∑’Ë¬“°µàÕ°“√ª≈Õ¡·ª≈ß·≈–™à«¬„π°“√µ√«® Õ∫µ—«‡™Á§«à“‡ªìπ‡™Á§®√‘ßÀ√◊Õ‰¡à

πÕ°®“°π’È µ—«‡™Á§¬—ßº≈‘µ®“°«— ¥ÿ∑’Ë‡ªìπ°√–¥“…‡§≈◊Õ∫ “√‡§¡’æ‘‡»… À“°¡’°“√¢Ÿ¥¢’¥

‡æ◊ËÕ·°â‰¢¢âÕ§«“¡®–ª√“°Ø√àÕß√Õ¬‡¥àπ™—¥

ë °“√√—°…“§«“¡ª≈Õ¥¿—¬„π√–∫∫ ICAS

¡’°“√„™â‡∑§‚π‚≈¬’ Hash6 „π°“√µ√«® Õ∫«à“¢âÕ¡Ÿ≈„π√–∫∫ ICAS ‡ªìπ¢âÕ¡Ÿ≈‡™Á§∑’Ë

∂Ÿ° àß‚¥¬‰¡à¡’°“√·°â‰¢√–À«à“ß∑“ß ‡æ◊ËÕ„Àâ¡—Ëπ„®«à“‡ªìπ¢âÕ¡Ÿ≈∑’Ë∂Ÿ°µâÕß ¡∫Ÿ√≥å √«¡∂÷ß

¡’≈“¬¡◊Õ™◊ËÕÕ‘‡≈Á°∑√Õπ‘° å‡æ◊ËÕ√–∫ÿµ—«∫ÿ§§≈ºŸâ àß

ë §«“¡ª≈Õ¥¿—¬¢Õß¢âÕ¡Ÿ≈¿“æ‡™Á§∑’Ë àß‡√’¬°‡°Á∫√–À«à“ß∏π“§“√

¡’°“√‡¢â“√À— ¢âÕ¡Ÿ≈¥â«¬‡∑§‚π‚≈¬’ Public Key Infrastructure (PKI) „Àâ¡’‡æ’¬ßºŸâ∑’Ë¡’

‘∑∏‘‡∑à“π—Èπ∑’Ë “¡“√∂∂Õ¥√À— ‰¥â ´÷Ëß‡ªìπ°“√√—°…“§«“¡ª≈Õ¥¿—¬∑’Ë∑”„Àâ‡™◊ËÕ¡—Ëπ‰¥â«à“

®–‰¡à¡’°“√·°â‰¢‡ª≈’Ë¬π·ª≈ß√–À«à“ßºŸâ àß·≈–ºŸâ√—∫¢âÕ¡Ÿ≈µ≈Õ¥°“√‡¥‘π∑“ß¢Õß¢âÕ¡Ÿ≈

ë °“√µ√«® Õ∫‡™Á§¢Õß∏π“§“√

πÕ°‡Àπ◊Õ®“°°“√„™âÕÿª°√≥å‡§√◊ËÕß¡◊Õ°“√∑”ß“π ‡§√◊ËÕß ·°π¿“æ‡™Á§ ·≈–°“√‡µ√’¬¡

¢âÕ¡Ÿ≈∑’Ë‡°’Ë¬«¢âÕß ∏π“§“√ ¡“™‘°®–·∫àßÀπâ“∑’Ë§«“¡√—∫º‘¥™Õ∫„π°“√µ√«® Õ∫‡™Á§

‚¥¬‡¡◊ËÕ∏π“§“√ºŸâ√—∫Ω“°‡™Á§√—∫Ω“°‡™Á§®“°≈Ÿ°§â“ ®–µ√«® Õ∫°“√ª≈Õ¡·ª≈ß·≈–

·°â‰¢µ—«‡™Á§¥â«¬‡∑§‚π‚≈¬’µà“ß Ê °àÕπ Scan ‡™Á§‡ªìπ¿“æ‡™Á§ ·≈– àß‡√’¬°‡°Á∫∏π“§“√

ºŸâ®à“¬ µ—«Õ¬à“ß‡™àπ °“√„™â Backlight àÕß≈ß∫π‡™Á§ À“°‡ªìπ°√–¥“…‡™Á§®√‘ß‡™Á§®–‰¡à

‡√◊Õß· ß √«¡∂÷ß°“√µ√«® Õ∫µ“¡¡“µ√°“√√—°…“§«“¡ª≈Õ¥¿—¬ §◊Õ ≈“¬πÈ”∑’Ë¡’

—≠≈—°…≥å ICS ·≈–°√–¥“…∑’Ë‡§≈◊Õ∫¥â«¬ “√‡§¡’æ‘‡»… „π¢≥–∑’Ë∏π“§“√ºŸâ®à“¬ ‡¡◊ËÕ

‰¥â√—∫¿“æ‡™Á§®“°∏π“§“√ºŸâ√—∫Ω“°‡™Á§®–¡’Àπâ“∑’Ëµ√«® Õ∫‡æ◊ËÕÕπÿ¡—µ‘®à“¬‡ß‘πµ“¡‡™Á§

‡™àπ‡¥’¬«°—∫ªí®®ÿ∫—π ‰¥â·°à µ√«® Õ∫«à“‡ß‘π„π∫—≠™’ºŸâ —Ëß®à“¬¡’‡ß‘π‡æ’¬ßæÕÀ√◊Õ‰¡à

√«¡∂÷ß≈“¬¡◊Õ™◊ËÕ¢ÕßºŸâ —Ëß®à“¬ ·≈–√“¬≈–‡Õ’¬¥Õ◊Ëπ‡∑’¬∫°—∫∞“π¢âÕ¡Ÿ≈¢Õß∏π“§“√‡æ◊ËÕ

æ‘®“√≥“Õπÿ¡—µ‘®à“¬‡ß‘πµ“¡‡™Á§

6 °√–∫«π°“√π”¢âÕ¡Ÿ≈‰ª‡¢â“ Ÿµ√§”π«≥‡æ◊ËÕ„Àâ‰¥â‡ªìπ§à“Àπ÷Ëß‡√’¬°«à“§à“ Hash ‡æ◊ËÕ„™â„π°“√µ√«® Õ∫§«“¡∂Ÿ°µâÕß¢Õß¢âÕ¡Ÿ≈ ‚¥¬

ºŸâ àß¢âÕ¡Ÿ≈®– àß¢âÕ¡Ÿ≈æ√âÕ¡°—∫§à“ Hash „ÀâºŸâ√—∫¢âÕ¡Ÿ≈ ´÷Ëß‡¡◊ËÕºŸâ√—∫¢âÕ¡Ÿ≈π”¢âÕ¡Ÿ≈∑’Ë‰¥â√—∫¡“‡¢â“ Ÿµ√§”π«≥·≈â«‰¥â§à“ Hash

µ√ß°—∫§à“ Hash ∑’Ë‰¥â√—∫®“°ºŸâ àß°Á¡—Ëπ„®‰¥â«à“¢âÕ¡Ÿ≈‰¡à‰¥â∂Ÿ°·°â‰¢

25

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

1.3.3 °“√„Àâ∫√‘°“√√–∫∫°“√™”√–‡ß‘πÕ¬à“ßµàÕ‡π◊ËÕß„π ∂“π°“√≥åπÈ”∑à«¡ ‡¡◊ËÕªï 2554

«‘°ƒµ°“√≥åÕÿ∑°¿—¬‡¡◊ËÕª≈“¬ªï 2554 °àÕ„Àâ‡°‘¥º≈°√–∑∫Õ¬à“ß¡“°µàÕª√–™“™π ¿“§∏ÿ√°‘®

√«¡∂÷ß°“√„Àâ∫√‘°“√∑“ß°“√‡ß‘π ·µà„π¿“æ√«¡√–∫∫ ∂“∫—π°“√‡ß‘π·≈–√–∫∫°“√™”√–‡ß‘πµà“ß Ê

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“¡“√∂„Àâ°“√ π—∫ πÿπ°‘®°√√¡∑“ß‡»√…∞°‘®‰¥âÕ¬à“ßµàÕ‡π◊ËÕß ‚¥¬ ∏ª∑. ‰¥âµ‘¥µ“¡

∂“π°“√≥å·≈–√à«¡À“√◊Õ°—∫ºŸâ∫√‘À“√√–¥—∫ Ÿß¢Õß ∂“∫—π°“√‡ß‘πÕ¬à“ß„°≈â™‘¥ ‡æ◊ËÕ„Àâ¡—Ëπ„®«à“

∏ÿ√°√√¡∑“ß°“√‡ß‘π∑ÿ°ª√–‡¿∑ “¡“√∂¥”‡π‘π‰ª‰¥âµ“¡ª°µ‘ √«¡∂÷ß¢Õ§«“¡√à«¡¡◊Õ‰ª¬—ß

∂“∫—π°“√‡ß‘π„π°“√™à«¬‡À≈◊Õ≈Ÿ°§â“ ¥—ßπ’È

ë °“√‡∫‘°∂Õπ‡ß‘π ¥ ∏ª∑. ¢Õ„Àâ ∂“∫—π°“√‡ß‘π·µà≈–·Ààß„Àâ§«“¡™à«¬‡À≈◊Õ∑“ß¥â“π‡ß‘π ¥

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ë ∏ÿ√°√√¡¥â“π°“√™”√–‡ß‘π ∏ª∑. ∂“∫—π°“√‡ß‘π ·≈–ºŸâ„Àâ∫√‘°“√√–∫∫°“√‚Õπ‡ß‘π√–À«à“ß

∂“∫—π°“√‡ß‘π ‡™àπ ∫√‘…—∑ ‡π™—Ëπ·π≈ ‰Õ∑’‡ÕÁ¡‡Õä° å ®”°—¥ (NITMX) ‰¥â´—°´âÕ¡·π«∑“ß

¥”‡π‘π°“√°√≥’∑’ËπÈ”∑à«¡¡’º≈°√–∑∫√ÿπ·√ß¡“°¢÷Èπ ‡™àπ °“√¬â“¬√–∫∫ß“π ·≈–¬â“¬°”≈—ß§π

‰ªªØ‘∫—µ‘ß“π∑’Ë»Ÿπ¬å ”√Õß ·≈–·π«ªØ‘∫—µ‘‡æ◊ËÕ„Àâ°“√™”√–¥ÿ≈√–À«à“ß ∂“∫—π “¡“√∂¥”‡π‘π‰¥â

Õ¬à“ßµàÕ‡π◊ËÕß

ë °“√¥Ÿ·≈≈Ÿ°§â“ ∂“∫—π°“√‡ß‘π ∏ª∑. ¢Õ„Àâ ∂“∫—π°“√‡ß‘π„Àâ§«“¡™à«¬‡À≈◊Õ≈Ÿ°§â“µ“¡§«“¡

‡À¡“– ¡ ´÷Ëß ∂“∫—π°“√‡ß‘π‰¥â„Àâ§«“¡√à«¡¡◊Õ„π°“√ÕÕ°¡“µ√°“√‡æ◊ËÕ™à«¬‡À≈◊Õ≈Ÿ°§â“‡ªìπ

Õ¬à“ß¥’ ‡™àπ °“√¬°‡«âπ§à“∏√√¡‡π’¬¡°“√∂Õπ‡ß‘π®“°‡§√◊ËÕß‡Õ∑’‡ÕÁ¡¢â“¡®—ßÀ«—¥À√◊Õ¢â“¡∏π“§“√

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ºàÕπº—πæ—°™”√–Àπ’È·≈–¥Õ°‡∫’È¬ ·≈–°“√„Àâ«ß‡ß‘π ‘π‡™◊ËÕ‡æ‘Ë¡‡æ◊ËÕøóôπøŸ°‘®°“√ À√◊Õ àÕ¡·´¡

§«“¡‡ ’¬À“¬À≈—ßπÈ”≈¥·≈â«

7 ∏π“§“√æ“≥‘™¬å„π∫“ßæ◊Èπ∑’Ë‰¡à “¡“√∂‡ªî¥„Àâ∫√‘°“√‰¥â‡π◊ËÕß®“°«‘°ƒµ°“√≥åÕÿ∑°¿—¬ √«¡∑—Èß ‘Èπ 556 “¢“ §‘¥‡ªìπ 9.3% ¢Õß

®”π«π “¢“∑—Ë«ª√–‡∑» ∫√‘°“√µŸâ‡Õ∑’‡ÕÁ¡®”π«π 4,943 ‡§√◊ËÕß §‘¥‡ªìπ 11.9% ¢Õß®”π«π‡Õ∑’‡ÕÁ¡∑—Ë«ª√–‡∑» (¢âÕ¡Ÿ≈ ≥ 4 æ.¬.

2554)

26

1.4 °“√æ—≤π“√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫°“√‡™◊ËÕ¡‚¬ß°—∫µà“ßª√–‡∑»

„πªï 2554 ∏ª∑. ‰¥âÀ“√◊Õ°—∫ºŸâ¡’ à«π‡°’Ë¬«¢âÕß∑—ÈßÀπà«¬ß“π¿“¬„π ∏ª∑. ·≈–Àπà«¬ß“π¿“¬πÕ°

‡™àπ CLS Bank ·≈–∫√‘…—∑∑’Ëª√÷°…“¥â“π°ÆÀ¡“¬ √«¡∑—Èß§≥–∑”ß“π¥â“π√–∫∫°“√™”√–‡ß‘π¢Õß

∏π“§“√°≈“ß„π°≈ÿà¡ª√–‡∑»Õ“‡ ’¬π ‡æ◊ËÕ»÷°…“·π«∑“ß∑’Ë‡À¡“– ¡„π°“√‡™◊ËÕ¡‚¬ß√–∫∫°“√

™”√–‡ß‘π¢Õß‰∑¬°—∫µà“ßª√–‡∑» √«¡∂÷ß°“√∫√‘À“√§«“¡‡ ’Ë¬ß∑’Ë‡°’Ë¬«¢âÕß ‡æ◊ËÕ π—∫ πÿπ°“√∑”

∏ÿ√°√√¡∑“ß°“√‡ß‘π√–À«à“ßª√–‡∑»¢Õß ∂“∫—π°“√‡ß‘π·≈–¿“§∏ÿ√°‘® ´÷Ëß®–¡’¡“°¢÷Èπµ“¡°√–·

‚≈°“¿‘«—µπå ·≈–°“√√«¡µ—«‡ªìπª√–™“§¡‡»√…∞°‘®Õ“‡´’¬π

1.4.1 °“√æ—≤π“√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫ª√–™“§¡‡»√…∞°‘®Õ“‡´’¬π

§≥–∑”ß“π¥â“π√–∫∫°“√™”√–‡ß‘π¢Õß∏π“§“√°≈“ß„π°≈ÿà¡ª√–‡∑»Õ“‡´’¬π (Working Committee

on Payment and Settlement System: WC-PSS) ‡ πÕ√“¬ß“πº≈°“√»÷°…“ ¿“æ·«¥≈âÕ¡°“√

™”√–‡ß‘π„πªí®®ÿ∫—π·≈–°√Õ∫°≈¬ÿ∑∏å„π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„π¿Ÿ¡‘¿“§„π 5 ‡√◊ËÕßÀ≈—° §◊Õ

1) °“√™”√–‡ß‘π‡æ◊ËÕ°“√§â“√–À«à“ßª√–‡∑» (Cross-border Trade Settlement)

2) °“√‚Õπ‡ß‘π¢Õß·√ßß“π„πµà“ßª√–‡∑» (Cross-border Money Remittance)

3) °“√™”√–‡ß‘π√“¬¬àÕ¬√–À«à“ßª√–‡∑» (Cross-border Retail Payments)

4) °“√™”√–‡ß‘π ”À√—∫∏ÿ√°√√¡µ≈“¥∑ÿπ√–À«à“ßª√–‡∑» (Cross-border Capital Market

Settlement)

5) ¡“µ√∞“π¢âÕ§«“¡°“√™”√–‡ß‘π√–À«à“ßª√–‡∑» (Standardization)

WC-PSS ‰¥âπ”‡ πÕ√“¬ß“π‡æ◊ËÕ¢Õ§«“¡‡ÀÁπ™Õ∫®“°∑’Ëª√–™ÿ¡ ASEAN Central Bank Governorsû

Meeting (ACGM) ‡¡◊ËÕ‡¥◊Õπ‡¡…“¬π 2554 ‚¥¬°√Õ∫°≈¬ÿ∑∏å¥—ß°≈à“«‡ªìπ§«“¡µ°≈ß√à«¡°—π

¢Õß°≈ÿà¡ª√–‡∑» ¡“™‘° ·≈–®–„™â‡ªìπ·π«∑“ß„π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π√–À«à“ßª√–‡∑»

Õ¬à“ß‰√°Áµ“¡ °“√¥”‡π‘πß“πµ“¡·π«∑“ß¥—ß°≈à“«¢÷ÈπÕ¬Ÿà°—∫§«“¡æ√âÕ¡·≈–°“√À“√◊Õ√–À«à“ßª√–‡∑»

´÷ËßÕ“®∑”„π≈—°…≥–∑«‘¿“§’ (Bilateral Arrangement) ‚¥¬®–¡’°“√‡ √‘¡ √â“ß§«“¡√Ÿâ§«“¡‡¢â“„®

·≈–·≈°‡ª≈’Ë¬πª√– ∫°“√≥å„π°≈ÿà¡ª√–‡∑» ¡“™‘° ‡æ◊ËÕ‡æ‘Ë¡»—°¬¿“æ„π°“√æ—≤π“√–∫∫°“√

™”√–‡ß‘π (Capacity Building) „π≈—°…≥–¢Õß°“√®—¥ workshops °“√Ωñ°ß“π ·≈–°“√¥Ÿß“π ‡ªìπµâπ

πÕ°®“°π’È‰¥â¡’°“√®—¥µ—Èß§≥–∑”ß“π‡©æ“–°‘® (Task Forces) ¿“¬„µâ°√Õ∫ WC-PSS ‡æ◊ËÕ

¥”‡π‘π°“√µ“¡·ºπß“π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„π¿Ÿ¡‘¿“§„π 5 ‡√◊ËÕßÀ≈—°¥—ß°≈à“« ‚¥¬Õ¬Ÿà

√–À«à“ß°“√√à“ß¢Õ∫‡¢µß“π ·ºπ¥”‡π‘πß“π ·≈–‡™‘≠¿“§‡Õ°™π∑’Ë‡°’Ë¬«¢âÕß‡¢â“√à«¡„π§≥–∑”ß“π

‡©æ“–°‘®·µà≈–¥â“π

27

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

∑’Ë¡“: Working Committee on Payment and Settlement

To promote the usage of localcurrencies to

improve efficiencyUse of Local

Currency for Settlement of BilateralTrade and Investment(proposed by BNM)

To promote formalchannels of moneyremittance services

Mobile phoneremittances

Internet-basedremittances

To promote the developmentof common used payment

instruments underregional scheme

Cross-border ATMlinkage under APN

framework

To coordinate with capital marketinitiatives and facilitate thedevelopment of payment systems linkage for capital

market settlementASEAN linkage, ABMI,Pan-Asian CSD Alliance

Preconditions and cross-cutting issues

Adopting ISO 20022 standards to support a straight-through-processing payment environmentAdopting settlement finality legislation for greater legal certaintyImplementing payment versus payment (PvP) arrangements to reduce foreign exchange settlement risks

Working Committee co-chaired by BOT-BI

AEC 2015 Vision:"ASEAN Payments aim to foster integrated,

safe, and efficient payment and settlement systems in the regionthat enable businesses and individuals to make or receive cross

border electronic payments with greater convenience"

Free Flow of Goods

Free Flow of Services

Free Flow ofSkilled Labour

Free Flow ofInvestment

Freer Flow ofCapital

Efficient ConsumerProtection

Sound& Robust

Cross Border TradeSettlement

Cross Border MoneyRemittance

Cross Border RetailPayments

Cross Border CapitalMarket Settlement

§≥–∑”ß“π WC-PSS ‰¥â‡º¬·æ√à√“¬ß“π √ÿªº≈°“√»÷°…“ (ASEAN WC-PSS Strategic Report)

ºà“π∑“ß‡«Á∫‰´µå www.aseanwcpss.org ÷ËßºŸâ∑’Ë π„® “¡“√∂µ‘¥µ“¡¢âÕ¡Ÿ≈¢à“« “√¢Õß WC-PSS

‰¥â®“°‡«Á∫‰´µå¥—ß°≈à“«

πÕ°®“°π’È„π à«π¢Õß ∏ª∑. ‰¥âª√–‡¡‘π§«“¡æ√âÕ¡¥â“π‚§√ß √â“ßæ◊Èπ∞“π¢Õßª√–‡∑»‰∑¬„π°“√

‡™◊ËÕ¡‚¬ß√–∫∫°“√™”√–‡ß‘π°—∫µà“ßª√–‡∑» ∑—Èß„π à«π∑’Ë‰∑¬§«√æ—≤π“»—°¬¿“æ‡æ‘Ë¡‡µ‘¡ ·≈– à«π

∑’Ë‰∑¬¡’§«“¡æ√âÕ¡·≈– “¡“√∂„Àâ§«“¡™à«¬‡À≈◊Õª√–‡∑»Õ◊Ëπ‰¥â µ“¡°√Õ∫°“√¥”‡π‘πß“π¢Õß

§≥–∑”ß“π∑’Ë¡ÿàß‡ √‘¡ √â“ß»—°¬¿“æ¢Õßª√–‡∑»„π°≈ÿà¡Õ“‡ ’¬π„Àâ¡’§«“¡°â“«Àπâ“¢Õß‚§√ß √â“ß

æ◊Èπ∞“π„π√–¥—∫„°≈â‡§’¬ß°—π ‡æ◊ËÕ™à«¬ π—∫ πÿπ°“√‡™◊ËÕ¡‚¬ß√–∫∫°“√™”√–‡ß‘π√–À«à“ß°—π

¿“æ∑’Ë 2: °√Õ∫°≈¬ÿ∑∏å§«“¡√à«¡¡◊Õ¥â“π√–∫∫°“√™”√–‡ß‘π

¢Õßª√–™“§¡‡»√…∞°‘®Õ“‡´’¬π

28

°√Õ∫∑’Ë 6: §≥–∑”ß“π¥â“π√–∫∫°“√™”√–‡ß‘π(Working Committee on Payment and Settlement System: WC-PSS)

∑’Ëª√–™ÿ¡ ÿ¥¬Õ¥Õ“‡™’¬π §√—Èß∑’Ë 9 ∑’Ë‡°“–∫“À≈’ “∏“√≥√—∞Õ‘π‚¥π’‡´’¬ ‡¡◊ËÕ«—π∑’Ë 7 µÿ≈“§¡

2546 ‰¥â„Àâ°“√√—∫√Õß·≈–≈ßπ“¡„πªØ‘≠≠“«à“¥â«¬§«“¡√à«¡¡◊Õ„πÕ“‡´’¬π (Declaration

of ASEAN Concord II À√◊Õ Bali Concord II) ÷Ëß√«¡∂÷ß‡√◊ËÕß°“√®—¥µ—Èßª√–™“§¡

‡»√…∞°‘®Õ“‡ ’¬π µàÕ¡“„π°“√ª√–™ÿ¡ ÿ¥¬Õ¥Õ“‡ ’¬π„π‡¥◊Õπ¡°√“§¡ 2550 ºŸâπ”

Õ“‡ ’¬π‡ÀÁπ™Õ∫∑’Ë®–‡√àß√—¥°“√®—¥µ—Èßª√–™“§¡‡»√…∞°‘®Õ“‡ ’¬π®“°‡¥‘¡∑’Ë√–∫ÿ‰«â¿“¬„πªï

2563 ‡ªìπ¿“¬„πªï 2558

πÕ°®“°π—Èπ‡æ◊ËÕ√Õß√—∫°“√√«¡°≈ÿà¡∑“ß‡»√…∞°‘®µ“¡·ºπß“π°“√®—¥µ—Èßª√–™“§¡

‡»√…∞°‘®Õ“‡´’¬π À√◊Õ AEC 2015 ∑’Ëª√–™ÿ¡ ASEAN Central Bank Governorsû Meeting

(ACGM) §√—Èß∑’Ë 6 ‡¡◊ËÕ‡¥◊Õπ‡¡…“¬π 2553 ‡ÀÁπ™Õ∫„Àâ®—¥µ—Èß§≥–∑”ß“π¥â“π√–∫∫

°“√™”√–‡ß‘π (Working Committee on Payment and Settlement System: WC-PSS)

¿“¬„µâ°√Õ∫°“√¥Ÿ·≈¢Õß∏π“§“√°≈“ß ASEAN8 ‚¥¬¡’∏π“§“√°≈“ßÕ‘π‚¥π’‡´’¬·≈– ∏ª∑.

‡ªìπª√–∏“π√à«¡¢Õß WC-PSS §≥–∑”ß“ππ’È¡’«—µ∂ÿª√– ß§å‡æ◊ËÕ»÷°…“ ¿“æ·«¥≈âÕ¡°“√

™”√–‡ß‘π„πªí®®ÿ∫—π·≈–‡ πÕ·ºπ°≈¬ÿ∑∏å„π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„π√–¥—∫¿Ÿ¡‘¿“§

1.4.2 °“√≈¥§«“¡‡ ’Ë¬ß°“√™”√–√“§“∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ß

ª√–‡∑» (Foreign Exchange Settlement Risk: FX Settlement Risk)

∏ª∑. ‰¥âµ√–Àπ—°∂÷ß§«“¡®”‡ªìπ„π°“√≈¥§«“¡‡ ’Ë¬ß∑’Ë‡°‘¥¢÷Èπ®“°°“√™”√–√“§“∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π

‡ß‘πµ√“µà“ßª√–‡∑»9 ∑’Ë¡’·π«‚πâ¡‡æ‘Ë¡¡“°¢÷Èπµ“¡¿“«–‡»√…∞°‘®·≈–°“√§â“ „πªï 2554 ¡Ÿ≈§à“°“√

‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ∑’Ë‡ªìπ∏ÿ√°√√¡ FX ‡©≈’Ë¬«—π≈– 210 æ—π≈â“π∫“∑ §‘¥‡ªìπ 5 ‡∑à“¢Õß GDP

8 ∏π“§“√°≈“ß¢Õßª√–‡∑»„π°≈ÿà¡ ASEAN ª√–°Õ∫¥â«¬∏π“§“√°≈“ß®“°ª√–‡∑»∫√Ÿ‰π¥“√ÿ ´“≈“¡ Õ‘π‚¥π’‡´’¬ ¡“‡≈‡´’¬ øî≈‘ªªîπ å

‘ß§‚ª√å ‰∑¬ ‡«’¬¥π“¡ ≈“« æ¡à“·≈–°—¡æŸ™“9 §«“¡‡ ’Ë¬ß°“√™”√–√“§“∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑» (FX Settlement Risk) ‡ªìπ§«“¡‡ ’Ë¬ß∑’Ë

‡°‘¥¢÷Èπ®“°°“√™”√–√“§“∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π‡ß‘πµ√“µà“ßª√–‡∑» „π°√≥’∑’Ë§Ÿà —≠≠“∑’Ë‡ªìπΩÉ“¬¢“¬‰¥â¥”‡π‘π°“√®—¥ àß‡ß‘π

µ√“µà“ßª√–‡∑» (Sold currency) „Àâ·°àºŸâ´◊ÈÕÕ¬à“ß ¡∫Ÿ√≥å·≈â« ·µà¬—ß‰¡à‰¥â√—∫°“√¬◊π¬—π®“°Õ’°ΩÉ“¬Àπ÷Ëß«à“ “¡“√∂ àß¡Õ∫‡ß‘π

µ√“µà“ßª√–‡∑»∑’Ë‰¥â —Ëß´◊ÈÕ (Purchased currency) µ“¡‡ß◊ËÕπ‡«≈“∑’Ë‰¥âµ°≈ß°—π‰«â°àÕπÀπâ“ °≈à“«Õ’°π—¬Àπ÷Ëß §«“¡‡ ’Ë¬ß¥â“π FX

Settlement risk ‡ªìπ§«“¡‡ ’Ë¬ß∑’Ë‡°‘¥¢÷Èπ ‡π◊ËÕß®“°°“√ àß¡Õ∫∏ÿ√°√√¡ °“√´◊ÈÕ¢“¬‡ß‘πµ√“µà“ßª√–‡∑»¢Õß‡ß‘π 2 °ÿ≈ ‡°‘¥¢÷Èπ

„π™à«ß‡«≈“∑’Ë‰¡àæ√âÕ¡°—π ∑”„Àâ§Ÿà —≠≠“∑’Ë‡ªìπΩÉ“¬¢“¬µâÕßµ°Õ¬Ÿà¿“¬„µâ§«“¡‡ ’Ë¬ß¥â“π FX Settlement risk ‡π◊ËÕß®“°‰¥â¥”‡π‘π

°“√ àß¡Õ∫‡ß‘πµ√“µà“ßª√–‡∑»„Àâ·°àºŸâ´◊ÈÕ‰ª·≈â« „π¢≥–∑’Ë¬—ß§ßµâÕß§Õ¬§” —Ëß¬◊π¬—π®“°Õ’°ΩÉ“¬Àπ÷Ëß‡°’Ë¬«°—∫‡ß‘πµ√“µà“ß

ª√–‡∑»∑’Ë‰¥â —Ëß´◊ÈÕ §«“¡‡ ’Ë¬ß®“°°“√ ◊ÈÕ¢“¬‡ß‘πµ√“√–À«à“ßª√–‡∑»¥—ß°≈à“«¡—°‡°‘¥¢÷Èπ∫πæ◊Èπ∞“π¢Õß§«“¡·µ°µà“ß∑“ß¥â“π

°√Õ∫°ÆÀ¡“¬¢Õß·µà≈–ª√–‡∑» °“√ àß¡Õ∫‡ß‘πµà“ß °ÿ≈µà“ß‡«≈“ (Time zone) ·≈–√–∫∫°“√™”√–‡ß‘π¢Õß·µà≈–ª√–‡∑»

29

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

∏ª∑. ®÷ß‰¥â√à«¡°—∫∏π“§“√æ“≥‘™¬åæ‘®“√≥“·π«∑“ßµà“ß Ê ‡æ◊ËÕ™à«¬≈¥§«“¡‡ ’Ë¬ß¥—ß°≈à“« °“√π”

‡ß‘π∫“∑‡¢â“√à«¡„π√–∫∫°“√™”√–√“§“∏ÿ√°√√¡·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»

·∫∫ Payment versus Payment (PvP)10 ‡™àπ Continuous Linked Settlement (CLS)

∏ª∑. ‰¥â√à«¡°—∫∏π“§“√ CLS11 ∑”°“√ª√–‡¡‘π§«“¡æ√âÕ¡¢Õßª√–‡∑»‰∑¬„π¥â“πµà“ß Ê „π°“√

‡¢â“√à«¡‡ªìπ ¡“™‘°√–∫∫ CLS ªí®®ÿ∫—π ∏ª∑. Õ¬Ÿà√–À«à“ßæ‘®“√≥“√“¬≈–‡Õ’¬¥‡ß◊ËÕπ‰¢µà“ß Ê

„π°“√‡¢â“√à«¡√–∫∫ CLS °àÕπæ‘®“√≥“§«“¡‡À¡“– ¡„π°“√‡¢â“√à«¡√–∫∫ CLS À√◊Õ√–∫∫ PvP

Õ◊Ëπ Ê µàÕ‰ª

°√Õ∫∑’Ë 7: √–∫∫°“√™”√–√“§“∏ÿ√°√√¡·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»·∫∫ Payment versus Payment (PvP)

ªí®®ÿ∫—π√–∫∫°“√™”√–√“§“∏ÿ√°√√¡·≈°‡ª≈’Ë¬π‡ß‘π∫“∑°—∫ °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»„π

ª√–‡∑»‰∑¬ ®–∑”ºà“π∏π“§“√µ—«·∑π À√◊Õ Correspondent Banks ¢Õß ∂“∫—πºŸâ´◊ÈÕ·≈–

∂“∫—πºŸâ¢“¬‚¥¬°“√™”√–‡ß‘π¢Õß °ÿ≈∑’Ë´◊ÈÕ¢“¬ ÷Ëß‡°‘¥¢÷Èπ„π™à«ß‡«≈“∑’Ë·µ°µà“ß°—π (Time

Zone Difference) ‚¥¬°“√∑”∏ÿ√°√√¡°“√§â“‡ß‘πµ√“µà“ßª√–‡∑»¢Õßª√–‡∑»‰∑¬¡’

—¥ à«π°“√´◊ÈÕ¢“¬¥Õ≈≈“√å-∫“∑ ¡“°∑’Ë ÿ¥§◊Õª√–¡“≥ 87% °ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»∑’Ë¡’

°“√´◊ÈÕ¢“¬√Õß≈ß¡“‰¥â·°à‡ß‘π‡¬π≠’ËªÿÉπ-∫“∑

°“√∑’Ë¡’™à«ß‡«≈“∑’Ë·µ°µà“ß°—ππ—Èπ °àÕ„Àâ‡°‘¥§«“¡‡ ’Ë¬ß„π°“√™”√–¥ÿ≈ (FX Settlement Risk)

°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß¥—ß°≈à“« “¡“√∂∑”‰¥â‚¥¬°“√™”√–¥ÿ≈∏ÿ√°√√¡´◊ÈÕ¢“¬‡ß‘πµ√“

µà“ßª√–‡∑»„π≈—°…≥– PvP ∑’Ë∑”„Àâ ∂“∫—πºŸâ´◊ÈÕ·≈– ∂“∫—πºŸâ¢“¬ “¡“√∂¡—Ëπ„®«à“√–∫∫

°“√™”√–¥ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»∑—Èß Õß¢â“ß ¡’°“√™”√–¥ÿ≈æ√âÕ¡°—π ´÷Ëß√–∫∫∑’Ë “¡“√∂

√Õß√—∫√Ÿª·∫∫°“√∑”∏ÿ√°√√¡ ª√–‡¿∑π’È‰¥â·°à √–∫∫ CLS ·≈– US Dollar Clearing House

Automated Transfer System (USD CHATS)

10 °√–∫«π°“√„π√–∫∫°“√™”√–¥ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»‡æ◊ËÕ„Àâ‡°‘¥§«“¡¡—Ëπ„®«à“°“√‚Õπ‡ß‘π¢Õß‡ß‘π °ÿ≈Àπ÷Ëß®–‡°‘¥¢÷Èπ°ÁµàÕ‡¡◊ËÕ¡’

°“√‚Õπ‡ß‘π¢Õß‡ß‘πÕ’° °ÿ≈Àπ÷ËßÀ√◊ÕÀ≈“¬ °ÿ≈∑’Ëµ°≈ß·≈°‡ª≈’Ë¬π°—π‡∑à“π—Èπ ÷Ëß°√–∫«π°“√¥—ß°≈à“«‡¡◊ËÕ‡°‘¥¢÷Èπ·≈â«∂◊Õ«à“ ‘Èπ ÿ¥

‰¡à “¡“√∂¬°‡≈‘°‰¥â Àπà«¬ª√–¡«≈º≈∑’Ë∑”Àπâ“∑’Ë‡ªìπµ—«®—∫§Ÿà°“√™”√–√“§“¢Õß§Ÿà °ÿ≈‡ß‘π ‡ªìπÕß§åª√–°Õ∫ ”§—≠∑’ËµâÕß¡’°“√

‡™◊ËÕ¡‚¬ß°—∫√–∫∫°“√™”√–¥ÿ≈·∫∫¡’º≈∑—π∑’ (Real Time Gross Settlement: RTGS) ¢Õß °ÿ≈‡ß‘πµà“ß Ê ‡æ◊ËÕ„Àâ¡—Ëπ„®«à“√–∫∫

°“√™”√–¥ÿ≈‡ß‘πµ√“µà“ßª√–‡∑»∑—Èß Õß¢â“ß¡’°“√™”√–¥ÿ≈æ√âÕ¡°—π ÷Ëß®–™à«¬ªÑÕß°—π‰¡à„Àâ‡°‘¥§«“¡‡ ’Ë¬ß°“√™”√–¥ÿ≈‡ß‘π

µ√“µà“ßª√–‡∑» (FX Settlement Risk/Herstatt risk)11 ‡ªìπ∏π“§“√®—¥µ—Èß¢÷Èπ‚¥¬°≈ÿà¡ª√–‡∑» G 20 ¿“¬„µâ°“√°”°—∫¥Ÿ·≈¢Õß Federal Reserve Bank ‚¥¬¡’«—µ∂ÿª√– ß§åÀ≈—°„π°“√

„Àâ∫√‘°“√™”√–¥ÿ≈∏ÿ√°√√¡°“√·≈°‡ª≈’Ë¬π‡ß‘πµ√“µà“ßª√–‡∑»ºà“π√–∫∫ CLS „π√Ÿª·∫∫ PvP ‚¥¬®—¥„Àâ¡’°“√™”√–‡ß‘πºà“π 17

°ÿ≈‡ß‘π ‰¥â·°à USD, EUR, JPY, GBP, CHF, AUD, CAD, DKK, HKD, KRW, NZD, NOK, SGD, SAR, SEK, ILS ·≈–†MXN

30

1) √–∫∫ CLS

CLS ‡ªìπ√–∫∫∑’Ë®—¥µ—Èß¢÷Èπ„πªï æ.». 2542 ¿“¬„µâ Section 25A ¢Õß U.S. Federal Act

∏π“§“√ CLS ¡’ ”π—°ß“π„À≠àÕ¬Ÿà∑’Ë New York √–∫∫π’È¡’«—µ∂ÿª√– ß§å„π°“√¢®—¥ FX

Settlement Risk ·≈–‡æ‘Ë¡ª√– ‘∑∏‘¿“æ„π°“√∫√‘À“√ ¿“æ§≈àÕß ‚¥¬„Àâ¡’°“√ àß

¡Õ∫‡ß‘πµ√“µà“ßª√–‡∑»¢Õß§Ÿà —≠≠“„π‡«≈“‡¥’¬«°—π ·¡â«à“ºŸâ´◊ÈÕ·≈–ºŸâ¢“¬®–Õ¬Ÿàµà“ß

∂“π∑’Ë°—π „π≈—°…≥– Payment Versus Payment (PvP) ‚¥¬∏π“§“√ CLS ®–‡ªî¥

∫—≠™’‰«â∑’Ë∏π“§“√°≈“ß¢Õßª√–‡∑»∑’Ë‡ªìπ‡®â“¢Õß °ÿ≈‡ß‘πÀ≈—°‡æ◊ËÕ„™â√–∫∫ RTGS ‡ªìπ

™àÕß∑“ß„π°“√‚Õπ‡ß‘π·≈–√—∫‚Õπ‡ß‘π°—∫ ¡“™‘°

2) √–∫∫ USD CHATS

Hong Kong Monetary Authority (HKMA) ‰¥âæ—≤π“√–∫∫ US Dollar Clearing House

Automated Transfer System À√◊Õ‡√’¬°«à“ USD CHATS ÷Ëß‡ªìπ√–∫∫°“√ ◊ÈÕ¢“¬

·≈°‡ª≈’Ë¬π‡ß‘πµ√“¢Õß °ÿ≈‡ß‘π HKD ·≈– USD ·∫∫ RTGS ¡’º≈ ¡∫Ÿ√≥å∑—π∑’∑’≈–

√“¬°“√ ‚¥¬¡’ Hong Kong Interbank Clearing Limited (HKICL) ∑”Àπâ“∑’Ë‡ªìπ

Clearing System Operator ·≈– The Hongkong and Shanghai Banking Corporation

Limited (HSBC) ∑”Àπâ“∑’Ë‡ªìπ Settlement Institution ‡√‘Ë¡„™â√–∫∫‡¥◊Õπ°—π¬“¬π 2543

‡«≈“∑”°“√¢Õß√–∫∫ USD CHATS §◊Õ 9:00 (HKT) ∂÷ß 17:30 (HKT)

1.4.3 °“√‡µ√’¬¡§«“¡æ√âÕ¡√–∫∫°“√™”√–‡ß‘π ”À√—∫√Õß√—∫°“√§â“√–À«à“ßª√–‡∑»¥â«¬

°ÿ≈‡ß‘πÀ¬«π

‡π◊ËÕß®“°ªí®®ÿ∫—π‡»√…∞°‘®®’π¡’§«“¡ ”§—≠¡“°¢÷Èπ‡√◊ËÕ¬ Ê µàÕ‡»√…∞°‘®‚≈° ·≈–ª√–‡∑»®’π

¡’π‚¬∫“¬ àß‡ √‘¡„Àâ‡ß‘πÀ¬«π‡ªìπ‡ß‘π °ÿ≈À≈—°¢Õß‚≈°„π°“√∑”∏ÿ√°√√¡°“√§â“°“√≈ß∑ÿπ ∏ª∑.

®÷ß¡’π‚¬∫“¬„Àâ¡’°“√‡µ√’¬¡§«“¡æ√âÕ¡√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫°“√§â“√–À«à“ßª√–‡∑»¥â«¬

°ÿ≈‡ß‘πÀ¬«π¥—ß°≈à“«

°√™. ‡ÀÁπ™Õ∫·π«∑“ß°“√‡µ√’¬¡§«“¡æ√âÕ¡‡æ◊ËÕ π—∫ πÿπ√–∫∫°“√™”√–‡ß‘π ”À√—∫°“√™”√–§à“

‘π§â“·≈–∫√‘°“√°—∫µà“ßª√–‡∑»¥â«¬‡ß‘π °ÿ≈À¬«π √«¡∑—Èß°“√®—¥∑”§«“¡µ°≈ß«à“¥â«¬°“√·≈°

‡ª≈’Ë¬π‡ß‘πµ√“·∫∫∑«‘¿“§’ (Bilateral Swap Agreement) °—∫∏π“§“√°≈“ß®’π ´÷Ëß‡ªìπªí®®—¬

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À¬«π‡æ’¬ßæÕ ”À√—∫°“√™”√–‡ß‘π‰¥âÕ¬à“ß√“∫√◊Ëπ ∑—Èßπ’È ∏ª∑. ‰¥â¡’°“√≈ßπ“¡„π§«“¡µ°≈ßœ °—∫

∏π“§“√°≈“ß®’π‡¡◊ËÕ«—π∑’Ë 22 ∏—π«“§¡ 2554

31

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”À√—∫°“√‡µ√’¬¡§«“¡æ√âÕ¡¥â“π√–∫∫°“√™”√–‡ß‘π‡æ◊ËÕ√Õß√—∫°“√™”√–§à“ ‘π§â“·≈–∫√‘°“√ ·≈–

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∑’Ë‡°’Ë¬«¢âÕß ‡™àπ §«“¡‡ªìπ‰ª‰¥â„π∑“ß‡∑§π‘§ ª√‘¡“≥§«“¡µâÕß°“√∑”∏ÿ√°√√¡™”√–‡ß‘π¥â«¬

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æ.». 2551 √ÿª‰¥â¥—ßπ’È

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2554 ∏ª∑. ‰¥âæ‘®“√≥“°“√¢Õ„∫√—∫¢÷Èπ∑–‡∫’¬π®”π«π 1 √“¬ ·≈–°“√¢Õ√—∫„∫Õπÿ≠“µ¢Õß

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§≥–°√√¡°“√∏ÿ√°√√¡∑“ßÕ‘‡≈Á°∑√Õπ‘° å °”Àπ¥¢—ÈπµÕπ°“√æ‘®“√≥“≈ß‚∑…ª√—∫∑“ß

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§≥–°√√¡°“√∏ÿ√°√√¡∑“ßÕ‘‡≈Á°∑√Õπ‘° å ‡√◊ËÕß À≈—°‡°≥±å°“√æ‘®“√≥“≈ß‚∑…ª√—∫∑“ß

ª°§√Õß ”À√—∫ºŸâª√–°Õ∫∏ÿ√°‘®„Àâ∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å æ.». 2554 ÷Ëß¡’

º≈∫—ß§—∫„™â∑“ß°ÆÀ¡“¬·≈â«µ—Èß·µà«—π∑’Ë 29 ¡’π“§¡ 2554

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ª√–°“»µà“ß Ê ∑’Ë‡°’Ë¬«¢âÕß ·≈–√“¬ß“πº≈°“√§«∫§ÿ¡¥Ÿ·≈µàÕ§≥–°√√¡°“√∏ÿ√°√√¡∑“ß

Õ‘‡≈Á°∑√Õπ‘° åÕ¬à“ß ¡Ë”‡ ¡Õ

32

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Õ”π«¬§«“¡ –¥«°·°àºŸâ∫√‘‚¿§‚¥¬¡‘‰¥â· «ßÀ“°”‰√®“°°“√ÕÕ°∫—µ√ µ“¡∑’Ë

∏ª∑. ª√–°“»°”Àπ¥‚¥¬§«“¡‡ÀÁπ™Õ∫¢Õß§≥–°√√¡°“√∏ÿ√°√√¡∑“ß

Õ‘‡≈Á°∑√Õπ‘° å

(2) ∏ÿ√°‘®∫√‘°“√∑’ËµâÕß¢Õ¢÷Èπ∑–‡∫’¬π°àÕπ„Àâ∫√‘°“√ (∏ÿ√°‘®µ“¡∫—≠™’ ¢ ·π∫∑â“¬

æ.√.Æ. e-Payment) ª√–°Õ∫¥â«¬ ∏ÿ√°‘®∫√‘°“√‡§√◊Õ¢à“¬∫—µ√‡§√¥‘µ ∏ÿ√°‘®

∫√‘°“√‡§√◊Õ¢à“¬Õ’¥’´’ ∏ÿ√°‘®∫√‘°“√ «‘µ™å™‘Ëß„π°“√™”√–‡ß‘π√–∫∫Àπ÷Ëß√–∫∫„¥

·≈–∏ÿ√°‘®∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å∑’Ë„™â´◊ÈÕ ‘π§â“·≈–À√◊Õ√—∫∫√‘°“√‡©æ“–Õ¬à“ß

µ“¡√“¬°“√∑’Ë°”Àπ¥‰«â≈à«ßÀπâ“®“°ºŸâ„Àâ∫√‘°“√À≈“¬√“¬ ≥ ∂“π∑’Ë∑’ËÕ¬Ÿà

¿“¬„µâ√–∫∫°“√®—¥®”Àπà“¬·≈–°“√„Àâ∫√‘°“√‡¥’¬«°—π

(3) ∏ÿ√°‘®∫√‘°“√∑’ËµâÕß‰¥â√—∫Õπÿ≠“µ°àÕπ„Àâ∫√‘°“√ (∏ÿ√°‘®µ“¡∫—≠™’ § ·π∫∑â“¬

æ.√.Æ. e-Payment) ª√–°Õ∫¥â«¬ ∏ÿ√°‘®∫√‘°“√À—°∫—≠™’ ∏ÿ√°‘®∫√‘°“√™”√–¥ÿ≈

∏ÿ√°‘®∫√‘°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° åºà“πÕÿª°√≥åÕ¬à“ßÀπ÷ËßÕ¬à“ß„¥À√◊Õºà“π

∑“ß‡§√◊Õ¢à“¬ ∏ÿ√°‘®∫√‘°“√ «‘µ™å™‘Ëß„π°“√™”√–‡ß‘πÀ≈“¬√–∫∫ ∏ÿ√°‘®∫√‘°“√√—∫

™”√–‡ß‘π·∑π·≈–∏ÿ√°‘®∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å∑’Ë„™â´◊ÈÕ ‘π§â“·≈–À√◊Õ√—∫

∫√‘°“√‡©æ“–Õ¬à“ßµ“¡√“¬°“√∑’Ë°”Àπ¥‰«â≈à«ßÀπâ“®“°ºŸâ„Àâ∫√‘°“√À≈“¬√“¬ ‚¥¬

‰¡à®”°—¥ ∂“π∑’Ë·≈–‰¡àÕ¬Ÿà¿“¬„µâ√–∫∫°“√®—¥®”Àπà“¬·≈–°“√„Àâ∫√‘°“√‡¥’¬«°—π

∑—Èßπ’È ∏ª∑. ‡ªìπºŸâæ‘®“√≥“ÕÕ°„∫√—∫·®âß/„∫√—∫°“√¢÷Èπ∑–‡∫’¬π„Àâ·°àºŸâ∑’Ë

ª√– ß§å®–ª√–°Õ∫∏ÿ√°‘®µ“¡∫—≠™’ ° ·≈–∫—≠™’ ¢ ∑’Ë‰¥â¬◊Ëπ·∫∫·≈–‡Õ° “√§√∫

∂â«π·≈â« ”À√—∫∏ÿ√°‘®µ“¡∫—≠™’ § §≥–°√√¡°“√∏ÿ√°√√¡∑“ßÕ‘‡≈Á°∑√Õπ‘° å

®–æ‘®“√≥“ÕÕ°„∫Õπÿ≠“µµ“¡§”·π–π”¢Õß ∏ª∑. πÕ°®“°π’È ºŸâ∑’Ëª√– ß§å®–

ª√–°Õ∫∏ÿ√°‘®∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° åµ“¡∫—≠™’ § (e-Money Multi-purpose)

®–µâÕß¢Õ„∫Õπÿ≠“µ®“°°√–∑√«ß°“√§≈—ß‚¥¬¬◊Ëπºà“π ∏ª∑. ‡æ‘Ë¡‡µ‘¡Õ’°

1 ©∫—∫ ¥â«¬

36

®”π«πºŸâ„Àâ∫√‘°“√„π·µà≈–ª√–‡¿∑∏ÿ√°‘®∫√‘°“√∑’Ë‡¢â“¢à“¬

∑’ËµâÕß∂Ÿ°§«∫§ÿ¡¥Ÿ·≈µ“¡ æ.√.Æ. e-Payment

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554

∏ÿ√°‘®∫√‘°“√∑’Ë‡¢â“¢à“¬∑’ËµâÕß∂Ÿ°§«∫§ÿ¡¥Ÿ·≈µ“¡ æ.√.Æ. e-Payment ®”π«πºŸâ„Àâ∫√‘°“√

∏ÿ√°‘®µ“¡∫—≠™’ ° ¬—ß‰¡à¡’ºŸâ„Àâ∫√‘°“√

∏ÿ√°‘®µ“¡∫—≠™’ ¢

- ∏ÿ√°‘®∫√‘°“√‡§√◊Õ¢à“¬∫—µ√‡§√¥‘µ ¬—ß‰¡à¡’ºŸâ„Àâ∫√‘°“√

- ∏ÿ√°‘®∫√‘°“√‡§√◊Õ¢à“¬Õ’¥’´’ ¬—ß‰¡à¡’ºŸâ„Àâ∫√‘°“√

- ∏ÿ√°‘®∫√‘°“√ «‘µ™å™‘Ëß„π°“√™”√–‡ß‘π√–∫∫Àπ÷Ëß√–∫∫„¥ 2 √“¬

- ∏ÿ√°‘®∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å∑’Ë„™â´◊ÈÕ ‘π§â“ ·≈–À√◊Õ√—∫∫√‘°“√ 5 √“¬

‡©æ“–Õ¬à“ßµ“¡√“¬°“√∑’Ë°”Àπ¥‰«â≈à«ßÀπâ“ ®“°ºŸâ„Àâ∫√‘°“√

À≈“¬√“¬ ≥ ∂“π∑’Ë∑’ËÕ¬Ÿà¿“¬„µâ√–∫∫°“√®—¥®”Àπà“¬·≈–

°“√„Àâ∫√‘°“√‡¥’¬«°—π

∏ÿ√°‘®µ“¡∫—≠™’ §

- ∏ÿ√°‘®∫√‘°“√À—°∫—≠™’ 3 √“¬

- ∏ÿ√°‘®∫√‘°“√™”√–¥ÿ≈ 3 √“¬

- ∏ÿ√°‘®∫√‘°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° åºà“πÕÿª°√≥å 55 √“¬

Õ¬à“ßÀπ÷ËßÕ¬à“ß„¥À√◊Õºà“π∑“ß‡§√◊Õ¢à“¬

- ∏ÿ√°‘®∫√‘°“√ «‘µ™å™‘Ëß„π°“√™”√–‡ß‘πÀ≈“¬√–∫∫ 2 √“¬

- ∏ÿ√°‘®∫√‘°“√√—∫™”√–‡ß‘π·∑π 33 √“¬

- ∏ÿ√°‘®∫√‘°“√‡ß‘πÕ‘‡≈Á°∑√Õπ‘° å∑’Ë„™â´◊ÈÕ ‘π§â“·≈–À√◊Õ√—∫∫√‘°“√ 15 √“¬

‡©æ“–Õ¬à“ßµ“¡√“¬°“√∑’Ë°”Àπ¥‰«â≈à«ßÀπâ“®“°ºŸâ„Àâ∫√‘°“√

À≈“¬√“¬ ‚¥¬‰¡à®”°—¥ ∂“π∑’Ë·≈–‰¡àÕ¬Ÿà¿“¬„µâ√–∫∫°“√

®—¥®”Àπà“¬·≈–°“√„Àâ∫√‘°“√‡¥’¬«°—π

¥Ÿ√“¬™◊ËÕºŸâª√–°Õ∫∏ÿ√°‘®∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å‰¥â®“°‡«Á∫‰´§å¢Õß ∏ª∑.

(http://www.bot.or.th/Thai/PaymentSystems/OversightOfEmoney/ListOfEmoney/Pages/

eMoneyProvider.aspx)

37

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

1.6 °“√‡º¬·æ√à¢âÕ¡Ÿ≈¥â“π√–∫∫°“√™”√–‡ß‘π

∏ª∑. ‰¥â√«∫√«¡·≈–‡º¬·æ√à¢âÕ¡Ÿ≈ ∂‘µ‘ ”§—≠∑’Ë‡°’Ë¬«¢âÕß°—∫°“√™”√–‡ß‘π∑—Èß√–∫∫°“√™”√–‡ß‘π∑’Ë

∏ª∑. ‡ªìπºŸâ¥”‡π‘π°“√‡Õß ·≈–√–∫∫°“√™”√–‡ß‘π∑’Ë¥”‡π‘π°“√‚¥¬ ∂“∫—πÕ◊Ëπ ‡æ◊ËÕª√–‚¬™πå„π

°“√¥”‡π‘πß“π¢ÕßÀπà«¬ß“π∑’Ë‡°’Ë¬«¢âÕß·≈–ª√–™“™π∑—Ë«‰ª °“√‡º¬·æ√à‰¥â¥”‡π‘π°“√ºà“π∑“ß

√“¬ß“π√–∫∫°“√™”√–‡ß‘π ·≈–‡«Á∫‰´µå¢Õß ∏ª∑. ·≈–‡æ◊ËÕ πÕßµÕ∫§«“¡µâÕß°“√«‘‡§√“–Àå

¢âÕ¡Ÿ≈„π‡™‘ß≈÷° ·≈–§«“¡ –¥«°√«¥‡√Á«„π°“√‡¢â“∂÷ß¢âÕ¡Ÿ≈‰¥âµ“¡§«“¡µâÕß°“√ ∏ª∑. ‰¥â

ª√—∫ª√ÿß„Àâ¡’°“√‡æ‘Ë¡§«“¡∂’Ë¢Õß°“√√“¬ß“π¢âÕ¡Ÿ≈·≈–‡º¬·æ√à¢âÕ¡Ÿ≈ºà“π‡«Á∫‰´µå¢Õß ∏ª∑.

§√Õ∫§≈ÿ¡ª√‘¡“≥·≈–¡Ÿ≈§à“∏ÿ√°√√¡°“√™”√–‡ß‘πºà“π√–∫∫·≈–™àÕß∑“ßµà“ß Ê ·≈–¢âÕ¡Ÿ≈Õ◊Ëπ Ê

∑’Ë‡°’Ë¬«¢âÕß

¢âÕ¡Ÿ≈¥â“π√–∫∫°“√™”√–‡ß‘π∑’Ë‡√‘Ë¡‡º¬·æ√à„πªï 2554 ºà“π‡«Á∫‰´µå¢Õß ∏ª∑. ‰¥â·°à

1) ∂‘µ‘∏ÿ√°√√¡¿“æ√«¡√–∫∫°“√™”√–‡ß‘π

(http://www.bot.or.th/Thai/Statistics/PaymentSystems/Pages/StatPayment

Transactions.aspx)

ª√–°Õ∫¥â«¬¢âÕ¡Ÿ≈∑’Ë‡°’Ë¬«°—∫ª√‘¡“≥·≈–¡Ÿ≈§à“∏ÿ√°√√¡°“√™”√–‡ß‘πºà“π√–∫∫·≈–™àÕß∑“ß

µà“ß Ê ·≈–¢âÕ¡Ÿ≈∑’Ë‡°’Ë¬«¢âÕßÕ◊Ëπ Ê ‡™àπ ®”π«π∫—µ√‡§√¥‘µ ∫—µ√‡¥∫‘µ ∫—µ√‡Õ∑’‡ÕÁ¡ ®”π«π

‡§√◊ËÕß‡Õ∑’‡ÕÁ¡ ®”π«π‡§√◊ËÕß√—∫¢âÕ¡Ÿ≈®“°∫—µ√‡æ◊ËÕ™”√–§à“ ‘π§â“·≈–∫√‘°“√ ≥ ®ÿ¥¢“¬ ·≈–

¢âÕ¡Ÿ≈°“√™”√–‡ß‘π¢ÕßºŸâª√–°Õ∫∏ÿ√°‘® ¿“¬„µâæ√–√“™°ƒ…Æ’°“«à“¥â«¬°“√§«∫§ÿ¡¥Ÿ·≈∏ÿ√°‘®

∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å æ.». 2551

2) µ“√“ß‡ª√’¬∫‡∑’¬∫Õ—µ√“§à“∏√√¡‡π’¬¡¢ÕßºŸâ„Àâ∫√‘°“√·µà≈–√“¬

(http://www2.bot.or.th/feerate/index.aspx)

ª√–°Õ∫¥â«¬¢âÕ¡Ÿ≈Õ—µ√“§à“∏√√¡‡π’¬¡¢Õß∏π“§“√æ“≥‘™¬å ∫√‘…—∑∑’Ëª√–°Õ∫∏ÿ√°‘®∫—µ√

‡§√¥‘µ·≈– ‘π‡™◊ËÕ à«π∫ÿ§§≈¿“¬„µâ°“√°”°—∫∑’Ë‰¡à„™à ∂“∫—π°“√‡ß‘π‡√’¬°‡°Á∫®“°≈Ÿ°§â“∑—Ë«‰ª

”À√—∫∫√‘°“√µà“ß Ê ‡™àπ ‚Õπ‡ß‘π ™”√–‡ß‘π ·≈– ‘π‡™◊ËÕ ‡æ◊ËÕª√–‚¬™πå„π°“√‡ª√’¬∫‡∑’¬∫

§à“∏√√¡‡π’¬¡„π‡∫◊ÈÕßµâπª√–°Õ∫°“√µ—¥ ‘π„®‡≈◊Õ°„™â∫√‘°“√

3) ¡—≈µ‘¡’‡¥’¬ ◊ËÕ°“√‡√’¬π√Ÿâ¥â“π√–∫∫°“√™”√–‡ß‘π

(http://www2.bot.or.th/PSServices/)

‡ªìπ ◊ËÕ‡º¬·æ√à§«“¡√Ÿâ‡°’Ë¬«°—∫√–∫∫°“√™”√–‡ß‘π∑’Ë¡’‡π◊ÈÕÀ“·≈–√Ÿª·∫∫°“√π”‡ πÕ∑’Ë‡À¡“–

”À√—∫∫ÿ§§≈∑—Ë«‰ª·≈–Õß§å°√∏ÿ√°‘® ª√–°Õ∫¥â«¬‡π◊ÈÕÀ“ ”§—≠ 2 à«π ‰¥â·°à ∫√‘°“√°“√™”√–

38

‡ß‘π„πª√–‡∑»‰∑¬®”π«π 13 ∫√‘°“√ §√Õ∫§≈ÿ¡√“¬≈–‡Õ’¬¥«‘∏’°“√„™âß“π ª√–‚¬™πå ¢âÕ§«√

√–«—ß·≈–¢âÕ¡Ÿ≈∑’ËºŸâ„™â∫√‘°“√§«√∑√“∫¢Õß·µà≈–∫√‘°“√ ·≈–°“√§«∫§ÿ¡∏ÿ√°‘® e-Payment ÷Ëß

ª√–°Õ∫¥â«¬¢âÕ¡Ÿ≈∑’Ë ”§—≠‰¥â·°à æ.√.Æ. e-Payment §ÿ≥≈—°…≥–¢Õß∏ÿ√°‘®∑’ËµâÕßÕ¬Ÿà ¿“¬

„µâ°“√°”°—∫¥Ÿ·≈ µ“¡ æ.√.Æ. e-Payment §ÿ≥ ¡∫—µ‘¢ÕßºŸâ„Àâ∫√‘°“√°“√™”√–‡ß‘π∑“ß

Õ‘‡≈Á°∑√Õπ‘° å «‘∏’°“√¬◊Ëπ·∫∫¢Õ¢÷Èπ∑–‡∫’¬π·≈–¢ÕÕπÿ≠“µ ·≈–∫∑≈ß‚∑…À“°‰¡àªØ‘∫—µ‘µ“¡

°ÆÀ¡“¬

πÕ°®“°π’È ∏ª∑. ‰¥â‡º¬·æ√à§«“¡√Ÿâºà“π™àÕß∑“ßÕ◊Ëπ Ê ‡æ◊ËÕ„Àâª√–™“™π “¡“√∂‡¢â“∂÷ß¢âÕ¡Ÿ≈

¥â“π°“√™”√–‡ß‘π‰¥â¡“°¢÷Èπºà“π∑“ß°“√‡¢’¬π∫∑§«“¡‡º¬·æ√à„πÀπ—ß ◊Õæ‘¡æå ß“ππ‘∑√√»°“√

°“√‡ «π“·≈–°“√∫√√¬“¬„Àâ§«“¡√Ÿâ∑—Èß à«π°≈“ß·≈– à«π¿Ÿ¡‘¿“§

39

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

2. ∑‘»∑“ß¢Õß√–∫∫°“√™”√–‡ß‘π„πÕπ“§µ:

·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559

2.1 §«“¡‡ªìπ¡“

∏ª∑. ¡’°“√®—¥µ—Èß °√™. ‡¡◊ËÕ«—π∑’Ë 27 ‘ßÀ“§¡ 2544 ‡æ◊ËÕ∑”Àπâ“∑’Ë°”Àπ¥π‚¬∫“¬‡°’Ë¬«°—∫√–∫∫

°“√™”√–‡ß‘π¢Õßª√–‡∑»„Àâ¡’ª√– ‘∑∏‘¿“æ·≈–ª≈Õ¥¿—¬ °√™. ‰¥â¡’°“√Õπÿ¡—µ‘·ºπ°≈¬ÿ∑∏å√–∫∫

°“√™”√–‡ß‘π¡“·≈â« 2 ©∫—∫ §◊Õ ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2547 (Payment Systems Roadmap

2004) ·≈–·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2553 (Payment Systems Roadmap 2010) ‡æ◊ËÕ„™â

‡ªìπ°√Õ∫°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π¢Õßª√–‡∑»‰∑¬„π™à«ßªï 2545 - 2547 ·≈–™à«ßªï 2548 - 2553

µ“¡≈”¥—∫ ‚¥¬¡’º≈ß“π ”§—≠∑’Ë‡°‘¥®“°°“√¥”‡π‘π‚§√ß°“√¿“¬„µâ·ºπ°≈¬ÿ∑∏åœ ∑—Èß 2 ©∫—∫ ‰¥â·°à

2.1.1 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2547 (Payment Systems Roadmap 2004)

ë °“√®—¥µ—Èß ∫√‘…—∑ ‡π™—Ëπ·π≈ ‰Õ∑’‡ÕÁ¡‡Õä°´å ®”°—¥ (National ITMX) „πªï 2548 ‚¥¬§«“¡

√à«¡¡◊Õ ¢Õß∏π“§“√æ“≥‘™¬å ‡æ◊ËÕ„Àâ‡ªìπÀπà«¬ß“π∑’Ë∑”Àπâ“∑’Ë‡ªìπ‚§√ß √â“ßÀ≈—°„π°“√æ—≤π“

·≈–„Àâ∫√‘°“√√–∫∫°“√™”√–‡ß‘π√–À«à“ß∏π“§“√ (Switching Center) ‡æ◊ËÕ≈¥µâπ∑ÿπ§à“„™â®à“¬

¥â“π√–∫∫°“√™”√–‡ß‘π∑’Ë È”´âÕπ ·≈– π—∫ πÿπ°“√‡™◊ËÕ¡‚¬ß¢Õß∫√‘°“√™”√–‡ß‘π√–∫∫µà“ß Ê „Àâ

¡’ª√– ‘∑∏‘¿“æ·≈–ª≈Õ¥¿—¬

ë °“√º≈—°¥—π°“√ÕÕ° æ.√.Æ. e-Payment æ.». 2551 ‡æ◊ËÕ√—°…“§«“¡¡—Ëπ§ß∑“ß°“√‡ß‘π·≈–

°“√æ“≥‘™¬å ‡ √‘¡ √â“ß§«“¡‡™◊ËÕ∂◊Õ·≈–¬Õ¡√—∫„π√–∫∫¢âÕ¡Ÿ≈Õ‘‡≈Á°∑√Õπ‘° å ªÑÕß°—π§«“¡

‡ ’¬À“¬µàÕ “∏“√≥™π √«¡∑—Èß àß‡ √‘¡°“√„™â∫√‘°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å

ë °“√°”Àπ¥¡“µ√∞“π∫“√å‚§â¥ ”À√—∫°“√™”√–‡ß‘π∑’Ë„™â°—∫‡Õ° “√°“√™”√–‡ß‘π ‡™àπ

„∫·®âßÀπ’È§à“‰øøÑ“ §à“πÈ”ª√–ª“ §à“‚∑√»—æ∑å œ≈œ

ë °“√æ—≤π“‚§√ß°“√ ASEANPay ‡æ◊ËÕ π—∫ πÿπ°“√„™â∫√‘°“√‡Õ∑’‡ÕÁ¡√–À«à“ßª√–‡∑»„π

¿Ÿ¡‘¿“§Õ“‡ ’¬π

40

2.1.2 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2553 (Payment Systems Roadmap 2010)

ë °“√ª√—∫‚§√ß √â“ß§à“∏√√¡‡π’¬¡∫√‘°“√™”√–‡ß‘π ‡æ◊ËÕ„Àâ¡’‚§√ß √â“ß§à“∏√√¡‡π’¬¡∑’Ë‡ªìπ

∏√√¡·≈–‡À¡“– ¡ ‚¥¬‡√‘Ë¡„™â§à“∏√√¡‡π’¬¡„À¡àµ—Èß·µà°≈“ß‡¥◊Õπ∏—π«“§¡ 2553

ë °“√ π—∫ πÿπ°“√®—¥µ—Èß√–∫∫ Local Switching ‡æ◊ËÕ√Õß√—∫°“√„™â∫—µ√Õ‘‡≈Á°∑√Õπ‘° å∑’ËÕÕ°

·≈–™”√–‡ß‘π„πª√–‡∑» ≈¥°“√æ÷Ëßæ“°“√„™â‡§√◊Õ¢à“¬¢Õßµà“ßª√–‡∑» ≈¥µâπ∑ÿπ¢Õß ∂“∫—π

°“√‡ß‘π·≈–√â“π§â“∑’Ë√—∫™”√–∫—µ√ ·≈–‡ªìπ®ÿ¥‡√‘Ë¡µâπ¢Õß°“√º≈—°¥—π„Àâ‡°‘¥√–∫∫ Local

Switching „π·ºπ°≈¬ÿ∑∏åœ ©∫—∫∂—¥¡“

ë ¡“µ√∞“π°≈“ß¢âÕ§«“¡°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å (National Payment Message

Standard) ‡æ◊ËÕ„ÀâºŸâ„™â∫√‘°“√·≈– ∂“∫—π°“√‡ß‘πµà“ß Ê “¡“√∂‡™◊ËÕ¡‚¬ß¢âÕ¡Ÿ≈°“√™”√–‡ß‘π∑’Ë

¡’¡“µ√∞“π‡¥’¬«°—π ™à«¬‡æ‘Ë¡§«“¡ –¥«°„π°“√∑”∏ÿ√°√√¡¢ÕßºŸâ„™â∫√‘°“√ √«¡∑—Èß≈¥

µâπ∑ÿπ·≈–¿“√–„π°“√®—¥°“√¢âÕ¡Ÿ≈ ·≈–¡’°“√º≈—°¥—π„Àâπ”¡“µ√∞“πœ π’È‰ª„™â„π·ºπ°≈¬ÿ∑∏åœ

©∫—∫∂—¥¡“

‡æ◊ËÕ„Àâ°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬¡’§«“¡µàÕ‡π◊ËÕß Õ¥§≈âÕß°—∫·ºπæ—≤π“√–∫∫

∂“∫—π°“√‡ß‘π©∫—∫∑’Ë 2 (Financial Sector Master Plan 2) æ—≤π“°“√¢Õß‡∑§‚π‚≈¬’ ·≈– ¿“æ

·«¥≈âÕ¡∑’Ë‡ª≈’Ë¬π·ª≈ß‰ª µ≈Õ¥®π°“√‡™◊ËÕ¡‚¬ß°“√∑”∏ÿ√°√√¡∑“ß°“√‡ß‘π°—∫ª√–™“§¡

‡»√…∞°‘®Õ“‡´’¬π ∑’Ë°”≈—ß®–‡°‘¥¢÷Èπ „πªï 2554 ∏ª∑. ®÷ß‰¥â®—¥∑”·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘π

©∫—∫„À¡à ‡æ◊ËÕ„™â‡ªìπ°√Õ∫„π°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬„π™à«ßªï 2555 ∂÷ß 2559 „Àâ

√–∫∫°“√™”√–‡ß‘π‰∑¬¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ß ª≈Õ¥¿—¬ Õ¥§≈âÕß°—∫¡“µ√∞“π “°≈ ‚¥¬

§√Õ∫§≈ÿ¡√–∫∫°“√™”√–‡ß‘π∑’Ë„Àâ∫√‘°“√‚¥¬ ∏ª∑. ∂“∫—π°“√‡ß‘π ·≈–ºŸâ„Àâ∫√‘°“√∑’Ë¡‘„™à ∂“∫—π

°“√‡ß‘π (Non-bank) √«¡∂÷ß‚§√ß √â“ßæ◊Èπ∞“π¥â“π°ÆÀ¡“¬·≈–‡∑§‚π‚≈¬’∑’Ë‡°’Ë¬«¢âÕß ‡æ◊ËÕµÕ∫

πÕß§«“¡µâÕß°“√¢Õß∑—ÈßºŸâ„Àâ∫√‘°“√·≈–ºŸâ„™â∫√‘°“√ §√Õ∫§≈ÿ¡∑ÿ°¿“§ à«π∑—ÈßÀπà«¬ß“π¿“§√—∞

¿“§∏ÿ√°‘® ·≈–ºŸâ∫√‘‚¿§

2.2 ·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559

∏ª∑. ‰¥â¡’°“√®—¥µ—Èß§≥–∑”ß“π·≈–§≥–°√√¡°“√ ”À√—∫°“√√à“ß·ºπ°≈¬ÿ∑∏åœ „π 2 √–¥—∫

°≈à“«§◊Õ §≥–∑”ß“π√à“ß·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘π (∑º√.) ÷Ëßª√–°Õ∫¥â«¬ºŸâ∫√‘À“√¢Õß ∏ª∑.

∑’Ë√—∫º‘¥™Õ∫ß“π¥â“π√–∫∫°“√™”√–‡ß‘π ∂“∫—π°“√‡ß‘π ·≈–°ÆÀ¡“¬ ∑”Àπâ“∑’Ë»÷°…“ «‘‡§√“–Àå ·≈–

®—¥∑”‚§√ß√à“ß·ºπ°≈¬ÿ∑∏åœ ‡ πÕµàÕ§≥–°√√¡°“√®—¥∑”·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘π (°º√.)

´÷Ëßª√–°Õ∫¥â«¬ºŸâ·∑π®“°Àπà«¬ß“π¿“§√—∞ ¿“§∏ÿ√°‘® ¿“§°“√∏π“§“√ π—°«‘™“°“√Õ‘ √– ·≈– ºŸâ

41

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

∫√‘À“√√–¥—∫ Ÿß¢Õß ∏ª∑. ‡ªìπºŸâæ‘®“√≥“°”Àπ¥·≈–°≈—Ëπ°√Õß·ºπ°≈¬ÿ∑∏åœ ·≈–π”‡ πÕµàÕ °√™.

æ‘®“√≥“Õπÿ¡—µ‘·ºπ¥—ß°≈à“«‡¡◊ËÕ«—π∑’Ë 4 æƒ»®‘°“¬π 2554

„π°√–∫«π°“√®—¥∑”·ºπ°≈¬ÿ∑∏åœ ∑º√. ‰¥â¡’°“√ª√–‡¡‘πº≈≈—æ∏å∑’Ë‰¥â®“°·ºπ°≈¬ÿ∑∏åœ ©∫—∫°àÕπ

¿“æ·«¥≈âÕ¡µà“ß Ê ∑—Èß„π·≈–µà“ßª√–‡∑»∑’Ë®– àßº≈°√–∑∫µàÕ√–∫∫°“√™”√–‡ß‘π„πÕπ“§µ

·ºπæ—≤π“√–∫∫°“√™”√–‡ß‘π¢Õß∏π“§“√°≈“ßª√–‡∑»µà“ß Ê §«“¡ Õ¥§≈âÕß°—∫·ºπæ—≤π“

Õ◊Ëπ Ê ∑’Ë ”§—≠ ‡™àπ ·ºπæ—≤π“√–∫∫ ∂“∫—π°“√‡ß‘π√–¬–∑’Ë 2 (æ.». 2553 - 2557) ·ºπæ—≤π“

µ≈“¥∑ÿπ‰∑¬ ·≈–‰¥â®—¥„Àâ¡’°“√√–¥¡§«“¡§‘¥‡ÀÁπ¢Õß∑ÿ°¿“§ à«π∑’Ë‡°’Ë¬«¢âÕß ∑—ÈßºŸâ„Àâ∫√‘°“√∑’Ë

‡ªìπ ∂“∫—π°“√‡ß‘π ·≈– Non-bank ºŸâ„™â∫√‘°“√¿“§√—∞ ¿“§‡Õ°™π π—°«‘™“°“√ §«“¡§‘¥‡ÀÁπ®“°

ºŸâ∑√ß§ÿ≥«ÿ≤‘‡©æ“–°≈ÿà¡ (Focus Group) „πª√–‡¥Áπ∑’Ë‡°’Ë¬«¢âÕß„π‡™‘ß≈÷°

¿“æ∑’Ë 3: √ÿª°√–∫«π°“√®—¥∑”·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘πªï 2555 - 2559

2.2.1 √ÿªº≈°“√ª√–‡¡‘π√–∫∫°“√™”√–‡ß‘π‰∑¬

§≥–∑”ß“π√à“ß·ºπ°≈¬ÿ∑∏åœ ‰¥âª√–‡¡‘π®ÿ¥·¢Áß·≈–®ÿ¥ÕàÕπ¢Õß√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬ √«¡∂÷ß

ªí®®—¬¿“¬πÕ°∑’Ë®–¡’º≈°√–∑∫µàÕ°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„πÕπ“§µ ‚¥¬À“√◊Õ°—∫ºŸâ¡’ à«π

‡°’Ë¬«¢âÕß·≈–»÷°…“‡ª√’¬∫‡∑’¬∫ °—∫æ—≤π“°“√¢Õß√–∫∫°“√™”√–‡ß‘π„πµà“ßª√–‡∑» ‡æ◊ËÕ‡ªìπ

¢âÕ¡Ÿ≈æ◊Èπ∞“π„π°“√°”Àπ¥°√Õ∫°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„πÕπ“§µ

* ª√–∏“π ¡“§¡∏π“§“√‰∑¬ ºŸâ®—¥°“√µ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ºŸâ·∑π¢Õß ¡“§¡∏π“§“√π“π“™“µ‘ ºŸâ·∑π¢Õß ¡“§¡∏π“§“√‰∑¬ ºŸâ·∑π¢Õß ¿“ÀÕ°“√§â“ ·Ààßª√–‡∑»‰∑¬ ·≈–ºŸâ·∑π¢Õß ¡“§¡ºŸâª√–°Õ∫°“√æ“≥‘™¬åÕ‘‡≈Á°∑√Õπ‘° å‰∑¬

√—∫¢âÕ¡Ÿ≈®“° Stakeholders - Questionnaire - Focus groups

√—∫øíß§«“¡‡ÀÁπ®“° Stakeholders

Input1

2 3 45

PS Roadmap2010

FSMP IIEnvironmental

Scanning§«“¡‡ÀÁπ KeyStakeholders*

º≈°“√ª√–‡¡‘π√–∫∫°“√™”√–‡ß‘π‰∑¬‚¥¬World Bank

·ºπæ—≤π“µ≈“¥∑ÿπ‰∑¬

‡ª√’¬∫‡∑’¬∫Payment policy„πµà“ßª√–‡∑»

‚§√ß√à“ß·ºπœ √à“ß·ºπœ ·ºπ©∫—∫ ¡∫Ÿ√≥å

ºŸâ√—∫º‘¥™Õ∫º≈—°¥—π·ºπ§≥–∑”ß“π àß‡ √‘¡°“√∑”

∏ÿ√°√√¡ e-Payments (∑ Õ.)

∏ª∑.

Action plans ·≈–¥”‡π‘π°“√(2555 - 2559)

°”Àπ¥·ºπ°≈¬ÿ∑∏åœ

- §≥–∑”ß“π√à“ß·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘π (∑º√.) - §≥–°√√¡°“√®—¥∑”·ºπ°≈¬ÿ∑∏å√–∫∫°“√™”√–‡ß‘π (°º√.)- §≥–°√√¡°“√√–∫∫°“√™”√–‡ß‘π (°√™.)

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

42

º≈°“√ª√–‡¡‘π√–∫∫°“√™”√–‡ß‘π¢Õß‰∑¬„π™à«ßªï 2553 - 2554 √ÿª‰¥â ¥—ßπ’È

1) §«“¡µâÕß°“√¢ÕßºŸâ¡’ à«π‡°’Ë¬«¢âÕß„π√–∫∫°“√™”√–‡ß‘π (Key Stakeholders)

‡π◊ËÕß®“°√–∫∫°“√™”√–‡ß‘π¡’ à«π ”§—≠µàÕ°“√‡§≈◊ËÕπ¬â“¬‡ß‘π∑ÿπ„π√–∫∫‡»√…∞°‘®·≈–‡°’Ë¬«¢âÕß

°—∫∑ÿ°¿“§ à«π∑—ÈßºŸâ„Àâ∫√‘°“√·≈–ºŸâ„™â∫√‘°“√ √«¡∑—ÈßÀπà«¬ß“π¿“§√—∞∑’Ë∑”Àπâ“∑’Ë°”°—∫¥Ÿ·≈ ∏ª∑.

®÷ß‰¥âª√–‡¡‘π§«“¡µâÕß°“√¢ÕßºŸâ∑’Ë‡°’Ë¬«¢âÕß°≈ÿà¡µà“ß Ê „π√–∫∫°“√™”√–‡ß‘π ‡æ◊ËÕ„Àâ¡—Ëπ„®«à“

·ºπ°≈¬ÿ∑∏åœ ∑’Ë®—¥∑”¢÷Èπ¡’§«“¡ Õ¥§≈âÕß°—∫§«“¡µâÕß°“√¢ÕßºŸâ¡’ à«π‡°’Ë¬«¢âÕß°≈ÿà¡µà“ß Ê

´÷Ëß √ÿª‰¥â ¥—ßπ’È

(1) ºŸâ„Àâ∫√‘°“√ ( ∂“∫—π°“√‡ß‘π ·≈– Non-bank) µâÕß°“√∑√“∫·π«π‚¬∫“¬¢Õß∑“ß°“√

∑’Ë™—¥‡®π ‡æ◊ËÕ„™âª√–°Õ∫°“√«“ß·ºπ∑“ß∏ÿ√°‘®¢Õßµπ·≈– “¡“√∂∑”∏ÿ√°‘®‰¥â¥â«¬

§«“¡ –¥«°·≈–¡’ª√– ‘∑∏‘¿“æ

(2) ºŸâ„™â∫√‘°“√ (¿“§√—∞, ∏ÿ√°‘®, ºŸâ∫√‘‚¿§) µâÕß°“√°“√™”√–‡ß‘π‰¥â –¥«° √«¥‡√Á« ¡’

µâπ∑ÿπ„π°“√™”√–‡ß‘π≈¥≈ß ™à«¬‡æ‘Ë¡»—°¬¿“æ„π°“√·¢àß¢—π ·≈–¡’§«“¡¡—Ëπ„®„π

§«“¡ª≈Õ¥¿—¬„π°“√„™â∫√‘°“√™”√–‡ß‘π

(3) Àπà«¬ß“π¿“§√—∞ µâÕß°“√„Àâ°“√«“ßπ‚¬∫“¬¢Õß ∏ª∑. ¡’§«“¡ Õ¥§≈âÕß°—∫

π‚¬∫“¬¢Õß√—∞∫“≈·≈–Àπà«¬ß“π¿“§√—∞Õ◊Ëπ Ê

(4) ∏ª∑. µâÕß°“√¡’§«“¡¡—Ëπ„®«à“√–∫∫°“√™”√–‡ß‘π¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ßª≈Õ¥¿—¬ ·≈–

¡’°“√·¢àß¢—π„π√–¥—∫∑’Ë‡À¡“– ¡

2) °“√ª√–‡¡‘π ¿“æ·«¥≈âÕ¡„π√–∫∫°“√™”√–‡ß‘π

(1) ‚§√ß √â“ß∑“ß°ÆÀ¡“¬

„π¿“æ√«¡ °≈à“«‰¥â«à“‚§√ß √â“ß°ÆÀ¡“¬„π°“√°”°—∫¥Ÿ·≈√–∫∫°“√™”√–‡ß‘π·≈–ºŸâ„Àâ

∫√‘°“√°“√™”√–‡ß‘π¢Õß‰∑¬Õ¬Ÿà„π√–¥—∫∑’Ë¡’ª√– ‘∑∏‘º≈ °≈à“«§◊Õ ª√–‡∑»‰∑¬¡’°ÆÀ¡“¬

∑’Ë„ÀâÕ”π“® ∏ª∑. Õ¬à“ß™—¥‡®π„π°“√°”°—∫¥Ÿ·≈√–∫∫°“√™”√–‡ß‘π ‰¥â·°à æ√–√“™∫—≠≠—µ‘

∏π“§“√·Ààßª√–‡∑»‰∑¬ æ.». 2485 (ª√—∫ª√ÿß æ.». 2551) æ√–√“™∫—≠≠—µ‘∏ÿ√°‘® ∂“∫—π

°“√‡ß‘π æ.». 2551 ”À√—∫°“√°”°—∫¥Ÿ·≈√–∫∫°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å π—Èπ ∏ª∑.

Õ“»—¬Õ”π“®µ“¡æ√–√“™°ƒ…Æ’°“«à“¥â«¬°“√§«∫§ÿ¡¥Ÿ·≈∏ÿ√°‘®∫√‘°“√°“√™”√–‡ß‘π∑“ß

Õ‘‡≈Á°∑√Õπ‘° å æ.». 2551 „π°“√§«∫§ÿ¡¥Ÿ·≈ºŸâ„Àâ∫√‘°“√°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å

„Àâ¡’°“√„Àâ∫√‘°“√∑’Ë¡—Ëπ§ßª≈Õ¥¿—¬πà“‡™◊ËÕ∂◊Õ ·≈–„Àâ∫√‘°“√‚¥¬ªØ‘∫—µ‘µ“¡°ÆÀ¡“¬

Õ¬à“ß‰√°Á¥’ √–∫∫∫“∑‡πµ ÷Ëß‡ªìπ√–∫∫°“√™”√–‡ß‘π∑’Ë¡’§«“¡ ”§—≠µàÕ√–∫∫°“√‡ß‘π

(Systemically Important Payment Systems) ¢Õßª√–‡∑»¬—ß§ß¡’ª√–‡¥Áπ∑’Ë§«√‰¥â√—∫°“√

43

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

æ—≤π“„π¥â“π°ÆÀ¡“¬ ‚¥¬º≈°“√ª√–‡¡‘π»—°¬¿“æ¢Õß√–∫∫°“√™”√–‡ß‘π‰∑¬µ“¡

‚§√ß°“√ Financial Sector Assessment Program (FSAP) ‚¥¬°Õß∑ÿπ°“√‡ß‘π

√–À«à“ßª√–‡∑» (IMF) √à«¡°—∫∏π“§“√‚≈° (World Bank) „πªï 2550 ·≈–°“√ª√–‡¡‘π

¢Õß‚§√ß°“√ ”√«®√–∫∫°“√™”√–‡ß‘π (Global Payment Systems Survey) ¢Õß

∏π“§“√‚≈°„πªï 2551 √–∫ÿ«à“ª√–‡∑»‰∑¬¬—ß‰¡à¡’°ÆÀ¡“¬∑’Ë™—¥‡®π‡°’Ë¬«°—∫º≈ ‘Èπ ÿ¥¢Õß

°“√‚Õπ‡ß‘π (Finality) ·≈–°“√¡‘„Àâ¡’°“√π” Zero Hour Rule ¡“„™â∫—ß§—∫°—∫°“√‚Õπ

‡ß‘π·≈–°“√™”√–¥ÿ≈ºà“π√–∫∫∫“∑‡πµ ´÷Ëß àßº≈„Àâ√“¬°“√ ”À√—∫∏ÿ√°√√¡°“√™”√–‡ß‘π

ºà“π√–∫∫∫“∑‡πµÕ“®‡ªìπ‚¡¶–‰¥â „π°√≥’∑’Ë¡’‡Àµÿ°“√≥åÕ—π∑”„Àâ ¡“™‘°‡¢â“ Ÿà

°√–∫«π°“√≈â¡≈–≈“¬

®“° “‡Àµÿ¢â“ßµâπ ª√–‡∑»‰∑¬®÷ß‰¥â√—∫°“√ª√–‡¡‘π®“°‚§√ß°“√ FSAP „πª√–‡¥Áπ

‡°’Ë¬«°—∫√–∫∫°“√™”√–‡ß‘π à«π„À≠à„π√–¥—∫ Observed (ºà“π°“√ª√–‡¡‘π∑ÿ°ª√–‡¥Áπ

µ“¡∑’Ë°”Àπ¥) ¡’‡æ’¬ßª√–‡¥Áπ‚§√ß √â“ß¥â“π°ÆÀ¡“¬·≈–º≈ ‘Èπ ÿ¥¢Õß°“√™”√–¥ÿ≈ ´÷Ëß

‰¥â√—∫°“√ª√–‡¡‘π„π√–¥—∫ Broadly Observed (¡’∫“ßª√–‡¥Áπ∑’Ë‰¡à Õ¥§≈âÕß·µà‰¡à‡ªìπ

Õÿª √√§„π°“√ªØ‘∫—µ‘) Õ¥§≈âÕß°—∫º≈°“√ª√–‡¡‘π¢Õß‚§√ß°“√ Global Payment

Systems Survey ´÷Ëßª√–‡¡‘π√–¥—∫°“√æ—≤π“¥â“π‚§√ß √â“ß°ÆÀ¡“¬¢Õß‰∑¬Õ¬Ÿà„π√–¥—∫

§àÕπ¢â“ßµË” (Medium-low)

µ“√“ß∑’Ë 2: º≈°“√ª√–‡¡‘π√–∫∫∫“∑‡πµµ“¡‚§√ß°“√ FSAP

À≈—°°“√ ”§—≠ º≈°“√ª√–‡¡‘π

1. Legal basis Broadly Observed

2. Understanding of risks Observed

3. Management of risks Observed

4. Prompt final settlement Broadly Observed

5. Netting arrangement Not Applicable

6. Settlement assets Observed

7. Security and Operational reliability Observed

8. Efficiency Observed

9. Access Observed

10. Governance Observed

∑’Ë¡“: °Õß∑ÿπ°“√‡ß‘π√–À«à“ßª√–‡∑»·≈–∏π“§“√‚≈° ªï 2550

44

µ“√“ß∑’Ë 3: º≈°“√ª√–‡¡‘π¥â“π°ÆÀ¡“¬µ“¡‚§√ß°“√

Global payment systems survey „πªï 2551

√–¥—∫°“√ª√–‡¡‘π ª√–‡∑»

High ŒàÕß°ß »√’≈—ß°“ ÕÕ ‡µ√‡≈’¬

À√—∞Õ‡¡√‘°“ Õ—ß°ƒ… ·§π“¥“

Medium-high ¡“‡≈‡ ’¬ Õ‘π‚¥π’‡´’¬ ‘ß§‚ª√å

Medium-low ‰∑¬ °—¡æŸ™“ ®’π ‰µâÀ«—π ≠’ËªÿÉπ øî®‘

Low øî≈‘ªªîπ å

∑’Ë¡“: ∏π“§“√‚≈° ªï 2551

(2) √–∫∫°“√™”√–‡ß‘π∑’Ë‡ªìπ‚§√ß √â“ßæ◊Èπ∞“π„π√–∫∫°“√‡ß‘π

√–∫∫∫“∑‡πµ¢Õß‰∑¬‡ªìπ√–∫∫∑’Ë¡’ª√– ‘∑∏‘¿“æ·≈–¡’§«“¡¡—Ëπ§ßª≈Õ¥¿—¬µ“¡

¡“µ√∞“π “°≈ ‚¥¬‚§√ß°“√ Global payment systems survey ‰¥âª√–‡¡‘π√–∫∫°“√

™”√–‡ß‘π∑’Ë ”§—≠¢Õßª√–‡∑»µà“ß Ê ‚¥¬æ‘®“√≥“„π 2 ª√–‡¥ÁπÀ≈—° ‰¥â·°à °“√ÕÕ°·∫∫

√–∫∫·≈–π‚¬∫“¬∑’Ë‡°’Ë¬«°—∫§«“¡ª≈Õ¥¿—¬·≈–ª√– ‘∑∏‘¿“æ √«¡∑—Èß —¥ à«π¢Õß°“√

™”√–¥ÿ≈¢Õß∏ÿ√°√√¡¡Ÿ≈§à“ Ÿßºà“π√–∫∫°“√‚Õπ‡ß‘π∑’Ë¡’º≈ ¡∫Ÿ√≥å∑—π∑’„π·µà≈–√“¬°“√

(RTGS) °“√„™â‡™Á§‡æ◊ËÕ™”√–‡ß‘π¡Ÿ≈§à“ Ÿß

®“°º≈°“√ª√–‡¡‘πæ∫«à“ „πª√–‡¥Áπ·√° ‡√◊ËÕß°“√ÕÕ°·∫∫√–∫∫·≈–π‚¬∫“¬∑’Ë‡°’Ë¬«°—∫

§«“¡ª≈Õ¥¿—¬·≈–ª√– ‘∑∏‘¿“æπ—Èπ ª√–‡∑»‰∑¬¡’√–∫∫°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß∑’Ë¡’°“√

™”√–¥ÿ≈·∫∫ RTGS ·≈–¡’¡“µ√°“√‡æ◊ËÕ≈¥§«“¡‡ ’Ë¬ß¥â“π‡§√¥‘µ §«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß

·≈–§«“¡‡ ’Ë¬ß¥â“πªØ‘∫—µ‘°“√ ∑’Ë¡’ª√– ‘∑∏‘¿“æ √«¡∂÷ß¡’π‚¬∫“¬∑’Ë™—¥‡®π·≈–‚ª√àß„

®÷ß‰¥â√—∫°“√ª√–‡¡‘πÕ¬Ÿà„π°≈ÿà¡∑’Ë¡’°“√æ—≤π“„π√–¥—∫ Ÿß (High) ”À√—∫ª√–‡¥Áπ∑’Ë Õß

¥â“π —¥ à«π°“√™”√–¥ÿ≈ºà“π√–∫∫ RTGS ·≈– —¥ à«π°“√„™â‡™Á§ ª√–‡∑»‰∑¬Õ¬Ÿà„π°≈ÿà¡

∑’Ëæ—≤π“§àÕπ¢â“ß Ÿß (Medium-high) °≈à“«§◊Õ °“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß¢Õßª√–‡∑»‰∑¬¬—ß¡’

°“√„™â‡™Á§‡æ◊ËÕ°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß∫“ß à«π

45

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

µ“√“ß∑’Ë 4: º≈°“√ª√–‡¡‘π¥â“π°“√ÕÕ°·∫∫·≈–°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß

¢Õß√–∫∫°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿßµ“¡‚§√ß°“√ Global payment systems survey 2551

√–¥—∫°“√ª√–‡¡‘π ª√–‡∑»

High ‰∑¬ Õ‘π‚¥π’‡´’¬ ‘ß§‚ª√å ‰µâÀ«—π ·§π“¥“

Medium-high ¡“‡≈‡ ’¬ øî≈‘ªªîπ å ®’π

À√—∞Õ‡¡√‘°“ Õ—ß°ƒ… ≠’ËªÿÉπ

Medium-low ‰¡à¡’ª√–‡∑»„π°≈ÿà¡ SEACEN

Low °—¡æŸ™“ øî®‘

∑’Ë¡“: ∏π“§“√‚≈° ªï 2551

µ“√“ß∑’Ë 5: º≈°“√ª√–‡¡‘π¥â“π —¥ à«π°“√„™â‡™Á§„π√–∫∫°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß

µ“¡‚§√ß°“√ Global payment systems survey 2551

√–¥—∫°“√ª√–‡¡‘π ª√–‡∑»

- ‰¡àπ‘¬¡„™â‡™Á§¡Ÿ≈§à“ Ÿß ¡“‡≈‡´’¬ Õ‘π‚¥π’‡´’¬ ‘ß§‚ª√å- ¡Ÿ≈§à“°“√™”√–‡ß‘π ŒàÕß°ß ≠’ËªÿÉπ ‰µâÀ«—π À√—∞Õ‡¡√‘°“

ºà“π√–∫∫ RTGS ¡“°°«à“ 90% Õ—ß°ƒ… ÕÕ ‡µ√‡≈’¬ ·§π“¥“

- ¡’°“√„™â‡™Á§¡Ÿ≈§à“ Ÿß ‚¥¬¡Ÿ≈§à“ ‰∑¬ øî≈‘ªªîπ å »√’≈—ß°“ ®’π°“√™”√–‡ß‘πºà“π√–∫∫ RTGS¡“°°«à“ 75% ·µà‰¡à‡°‘π 90%¢Õß¡Ÿ≈§à“°“√™”√–‡ß‘π∑—ÈßÀ¡¥

- π‘¬¡„™â‡™Á§¡Ÿ≈§à“ Ÿß ‰¡à¡’ª√–‡∑»„π°≈ÿà¡- ¡Ÿ≈§à“°“√™”√–‡ß‘πºà“π√–∫∫ ‡Õ‡ ’¬µ–«—πÕÕ°‡©’¬ß„µâ

RTGS πâÕ¬°«à“ 75% ¢Õß¡Ÿ≈§à“°“√™”√–‡ß‘π∑—ÈßÀ¡¥

- „™â‡™Á§„π°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß °—¡æŸ™“ øî®‘- ‰¡à¡’√–∫∫ RTGS

∑’Ë¡“: ∏π“§“√‚≈° ªï 2551

º≈°“√ª√–‡¡‘π¥—ß°≈à“« √ÿª‰¥â«à“·¡â√–∫∫°“√™”√–‡ß‘π∑’Ë‡ªìπ‚§√ß √â“ßæ◊Èπ∞“π∑’Ë ”§—≠¢Õß‰∑¬

®–∂◊Õ«à“Õ¬Ÿà„π√–¥—∫∑’Ë¡’ª√– ‘∑∏‘¿“æ ¡—Ëπ§ßª≈Õ¥¿—¬ ·µà°Á¬—ß¡’ª√–‡¥Áπ∑’Ë “¡“√∂æ—≤π“‡æ◊ËÕ‡æ‘Ë¡

ª√– ‘∑∏‘¿“æ·≈–≈¥§«“¡‡ ’Ë¬ß‰¥â„πÕπ“§µ „π¥â“πµà“ß Ê ‰¥â·°à

46

ë °“√ªÑÕß°—π§«“¡‡ ’Ë¬ß„π°“√™”√–¥ÿ≈√–À«à“ß∏π“§“√ ‡æ◊ËÕ™à«¬≈¥§«“¡‡ ’Ë¬ß∑’Ë‰∑¬¬—ß

¡’°“√„™â‡™Á§¡Ÿ≈§à“ ŸßÕ¬Ÿà„π√–∫∫‡ªìπ®”π«π¡“°

ë °“√‡æ‘Ë¡ª√– ‘∑∏‘¿“æ„π°“√„Àâ∫√‘°“√·°à ∂“∫—π°“√‡ß‘π ‡æ◊ËÕ‡æ‘Ë¡§«“¡ –¥«°·≈–≈¥

µâπ∑ÿπ„π°“√™”√–‡ß‘π ‡™àπ °“√æ—≤π“√–∫∫ Imaged Cheque Clearing and Archive

System (ICAS)

ë °“√æ—≤π“·ºπ√Õß√—∫°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ßµàÕ‡π◊ËÕß (Business Continuity Plan: BCP)

”À√—∫√–∫∫°“√™”√–‡ß‘π∑’Ë‡ªìπ‚§√ß √â“ßæ◊Èπ∞“π ”§—≠Õ¬à“ß√–∫∫∫“∑‡πµ ·≈–

√–∫∫°“√™”√–‡ß‘π√–À«à“ß∏π“§“√ ‡æ◊ËÕ„Àâ “¡“√∂„Àâ∫√‘°“√‰¥âµàÕ‡π◊ËÕß·≈–√Õß√—∫

§«“¡‡ ’Ë¬ß„π√Ÿª·∫∫µà“ß Ê ∑’ËÕ“®®–¡’¡“°¢÷Èπ ‡™àπ ‡Àµÿ°“√≥å§«“¡‰¡à ß∫∑“ß°“√‡¡◊Õß

·≈–ªí≠À“¿—¬æ‘∫—µ‘∑“ß∏√√¡™“µ‘„π√Ÿª·∫∫µà“ß Ê

(3) √–∫∫°“√™”√–‡ß‘π√“¬¬àÕ¬

º≈°“√ ”√«®¢Õß World Bank √–∫ÿ«à“∂÷ß·¡âª√–‡∑»‰∑¬®–¡’§«“¡æ√âÕ¡„π¥â“π

‚§√ß √â“ßæ◊Èπ∞“π ‚¥¬Õ¬Ÿà„π‡°≥±å∑’Ë¡’°“√æ—≤π“§àÕπ¢â“ß Ÿß (Medium-high) ”À√—∫

§«“¡æ√âÕ¡¢Õß‚§√ß √â“ßæ◊Èπ∞“π√–∫∫°“√™”√–‡ß‘π·≈–°“√ÕÕ°π‚¬∫“¬¥â“π√–∫∫°“√

™”√–‡ß‘π∑’Ë àß‡ √‘¡§«“¡¡’ª√– ‘∑∏‘¿“æ·≈–§«“¡ª≈Õ¥¿—¬ Õ¬à“ß‰√°Áµ“¡ ª√–‡∑»‰∑¬¬—ß

Õ¬Ÿà„π‡°≥±å∑’Ë¡’°“√æ—≤π“§àÕπ¢â“ßµË” (Medium-low) „π¥â“π°“√„™â ◊ËÕÕ‘‡≈Á°∑√Õπ‘° å

‡æ◊ËÕ°“√™”√–‡ß‘π‡¡◊ËÕ‡ª√’¬∫‡∑’¬∫°—∫µà“ßª√–‡∑»

µ“√“ß∑’Ë 6: º≈°“√ª√–‡¡‘π¥â“π§«“¡æ√âÕ¡¢Õß‚§√ß √â“ßæ◊Èπ∞“π√–∫∫°“√™”√–‡ß‘π

·≈–°“√ÕÕ°π‚¬∫“¬¥â“π√–∫∫°“√™”√–‡ß‘π‚§√ß°“√ Global payment systems survey 2551

√–¥—∫°“√ª√–‡¡‘π ª√–‡∑»

High ‰¡à¡’ª√–‡∑»„π°≈ÿà¡ SEACEN

ÕÕ ‡µ√‡≈’¬ ·§π“¥“ ≠’ËªÿÉπ ‡¬Õ√¡—π

Õ—ß°ƒ… À√—∞Õ‡¡√‘°“

Medium-high ‰∑¬ Õ‘π‚¥π’‡´’¬ ‘ß§‚ª√å ‰µâÀ«—π

»√’≈—ß°“ ¡“‡≈‡ ’¬ ®’π ŒàÕß°ß

Medium-low øî≈‘ªªîπ å

Low °—¡æŸ™“ øî®‘

∑’Ë¡“: ∏π“§“√‚≈° ªï 2551

47

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

µ“√“ß∑’Ë 7: º≈°“√ª√–‡¡‘π¥â“π°“√„™â ◊ËÕÕ‘‡≈Á°∑√Õπ‘° å‡æ◊ËÕ°“√™”√–‡ß‘π

‚§√ß°“√ Global payment systems survey 2551

√–¥—∫°“√ª√–‡¡‘π ª√–‡∑»

High ‘ß§‚ª√å ÕÕ ‡µ√‡≈’¬ ·§π“¥“ ≠’ËªÿÉπ

‡¬Õ√¡—π Õ—ß°ƒ… ŒàÕß°ß

Medium-high ‰µâÀ«—π ¡“‡≈‡ ’¬ ®’π À√—∞Õ‡¡√‘°“

Medium-low ‰∑¬ Õ‘π‚¥π’‡´’¬

Low °—¡æŸ™“ øî≈‘ªªîπ å »√’≈—ß°“

∑’Ë¡“: ∏π“§“√‚≈° ªï 2551

µ—«Õ¬à“ßÀπ÷Ëß¢Õß∫√‘°“√™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å∑’Ë¡’°“√„™â‰¡à¡“°π—° §◊Õ ∫—µ√‡¥∫‘µ ÷Ëß

µ≈Õ¥√–¬–‡«≈“À≈“¬ªï∑’Ëºà“π¡“ °“√„™â®à“¬ºà“π∫—µ√‡¥∫‘µ¬—ß§ß‰¡à‡ªìπ∑’Ëπ‘¬¡¡“°π—° ·≈–

∫—µ√‡¥∫‘µ∂Ÿ°„™â‡æ’¬ß‡æ◊ËÕ°“√∂Õπ‡ß‘π ¥‡ªìπÀ≈—°‡∑à“π—Èπ ´÷Ëß¡’ “‡Àµÿ¡“®“°æƒµ‘°√√¡

¢ÕßºŸâ∫√‘‚¿§ °“√¢“¥§«“¡√Ÿâ§«“¡‡¢â“„®„π°“√„™â∫√‘°“√ √«¡∂÷ß√â“π§â“∫“ß·Ààß·π–π”„Àâ

„™â‡ß‘π ¥™”√–·∑π∫—µ√‡¥∫‘µ ‡π◊ËÕß®“°‰¡àµâÕß°“√√—∫¿“√–§à“∏√√¡‡π’¬¡®“°°“√√—∫

∫—µ√‡¥∫‘µ

3) ªí®®—¬∑’Ë®–¡’º≈°√–∑∫µàÕ°“√æ—≤π“√–∫∫°“√™”√–‡ß‘π„π™à«ßªï 2555 - 2559

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™”√–‡ß‘π ·≈–·π«∑“ß¥”‡π‘π∏ÿ√°‘®¢ÕßºŸâ„Àâ∫√‘°“√™”√–‡ß‘π„πÕπ“§µ √ÿª‰¥â ¥—ßπ’È

(1) §«“¡°â“«Àπâ“¥â“π‡∑§‚π‚≈¬’ “√ π‡∑»·≈–æƒµ‘°√√¡¢ÕßºŸâ∫√‘‚¿§∑’Ë‡ªî¥√—∫

‡∑§‚π‚≈¬’¡“°¢÷Èπ àßº≈µàÕ√Ÿª·∫∫°“√„Àâ∫√‘°“√¥â“π°“√™”√–‡ß‘π ‡™àπ §«“¡·æ√à

À≈“¬·≈–√“§“∑’Ë≈¥µË”≈ß¢Õß°“√„Àâ∫√‘°“√Õ‘π‡∑Õ√å‡πÁµ§«“¡‡√Á« Ÿß (ADSL) ·≈–

Õÿª°√≥å ◊ËÕ “√‡§≈◊ËÕπ∑’Ë ‚¥¬‡©æ“–‡§√◊ËÕß‚∑√»—æ∑å Smartphone ·≈– Tablet PC ∑’Ë¡’

°“√æ—≤π“·Õææ≈‘‡§™—Ëπ∑’ËÀ≈“°À≈“¬ “¡“√∂√Õß√—∫°‘®°√√¡µà“ß Ê ‰¥â¡“°¢÷Èπ °“√

„Àâ∫√‘°“√‚∑√»—æ∑å‡§≈◊ËÕπ∑’Ë·∫∫ 3G àßº≈„ÀâºŸâ„™â∫√‘°“√°“√™”√–‡ß‘π‰¥âÕ¬à“ß –¥«°

¡“°¢÷Èπ

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Õ‘‡≈Á°∑√Õπ‘° å¡“°¢÷Èπ ‚¥¬‡©æ“–®“°§π√ÿàπ„À¡à∑’Ë¡’§«“¡§ÿâπ‡§¬°—∫‡∑§‚π‚≈¬’

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48

(2) ·π«‚πâ¡‡»√…∞°‘®∑’Ëº—πº«π àßº≈„Àâ¿“§∏ÿ√°‘®„Àâ§«“¡ ”§—≠°—∫°“√≈¥µâπ∑ÿπ·≈–

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49

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2555 - 2559

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50

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52

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58

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∏π“§“√∑“ßÕ‘π‡∑Õ√å‡πÁµ

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√–À«à“ß∏π“§“√ (NITMX Bulk Payment)

100%90%80%70%60%50%40%30%20%10%0%

2549 2550 2551 2552 2553 2554

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∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

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90%80%70%

60%50%40%

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16 Committee on Payment and Settlement System (CPSS) ª√–°Õ∫¥â«¬ ¡“™‘° 23 ª√–‡∑» ‰¥â·°à ÕÕ ‡µ√‡≈’¬ ‡∫≈‡¬’¬¡

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60

¿“æ∑’Ë 11: ®”π«π√“¬°“√°“√„™â∫√‘°“√™”√–‡ß‘πµàÕª√–™“°√ ≥ ªï 2553

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SG

TH

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2

15

7

7

77

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11

1

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1

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Credit Transfer Direct Debit Credit Card Debit Card

∑’Ë¡“: BIS Statistics on PSS in the CPSS Countries,

Bank Negara Malaysia ·≈–∏π“§“√·Ààßª√–‡∑»‰∑¬

61

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¿“æ∑’Ë 12: ª√‘¡“≥‡ß‘π ¥À¡ÿπ‡«’¬π‡ª√’¬∫‡∑’¬∫°—∫ GDP

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1,000

800

600

400

200

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10.0%

9.5%

9.0%

8.5%

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„πªï 2554 ª√‘¡“≥°“√„™â‡™Á§∑—ÈßÀ¡¥ (√«¡‡™Á§√–À«à“ß∏π“§“√·≈–‡™Á§¿“¬„π∏π“§“√‡¥’¬«°—π) ¡’

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∏ª∑. ∑”Àπâ“∑’Ë‡ªìπ»Ÿπ¬å°≈“ß°“√·≈°‡ª≈’Ë¬π¢âÕ¡Ÿ≈·≈–µ—«‡™Á§√–À«à“ß∏π“§“√ ¡“™‘°‡æ◊ËÕ√Õß√—∫

°“√π”Ω“°‡™Á§µà“ß∏π“§“√ ÷Ëß√–∫∫°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ª√–°Õ∫¥â«¬ 1) √–∫∫°“√

À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√„π‡¢µ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ (Electronic Cheque Clearing

System: ECS17) 2) √–∫∫°“√À—°∫—≠™’‡™Á§¿“¬„π‡¢µ ”π—°À—°∫—≠™’„πµà“ß®—ßÀ«—¥ (Provincial Cheque

Clearing System) ·≈– 3) √–∫∫°“√À—°∫—≠™’‡™Á§‡√’¬°‡°Á∫¢â“¡‡¢µ ”π—°À—°∫—≠™’ À√◊Õ‡™Á§

µà“ß®—ßÀ«—¥´÷Ëß‡√’¬°‡°Á∫∑’Ë°√ÿß‡∑æ¡À“π§√ (Bill for Collection: B/C)

„π¿“æ√«¡ªï 2554 ‡™Á§√–À«à“ß∏π“§“√¡’ª√‘¡“≥∑—Èß ‘Èπ 73.6 ≈â“π©∫—∫ ≈¥≈ß®“°ªï°àÕπ√âÕ¬≈– 2.0

„π¢≥–∑’Ë¡Ÿ≈§à“√«¡ 35,806 æ—π≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 6.0 ‡¡◊ËÕ‡ª√’¬∫‡∑’¬∫°—∫ªï 2553

‚¥¬‡¡◊ËÕ®”·π°ÕÕ°¡“‡ªìπ 1) —¥ à«π¢Õßª√‘¡“≥·≈–¡Ÿ≈§à“‡™Á§√–À«à“ß∏π“§“√„π‡¢µ°√ÿß‡∑æœ

·≈–ª√‘¡≥±≈„πªï 2554 Õ¬Ÿà„πÕ—µ√“„°≈â‡§’¬ß°—∫ªï∑’Ëºà“π¡“§◊Õ √âÕ¬≈– 70.8 ·≈– 89.0 µ“¡≈”¥—∫

2) à«π‡™Á§√–À«à“ß∏π“§“√¿“¬„π‡¢µ ”π—°À—°∫—≠™’„πµà“ß®—ßÀ«—¥¡’ —¥ à«π¢Õßª√‘¡“≥·≈–

¡Ÿ≈§à“√Õß≈ß¡“‡∑à“°—∫√âÕ¬≈– 20.1 ·≈– 9.8 ·≈– 3) ‡™Á§√–À«à“ß∏π“§“√∑’Ë‡√’¬°‡°Á∫¢â“¡‡¢µ ”π—°

À—°∫—≠™’ ¡’ —¥ à«π¢Õßª√‘¡“≥·≈–¡Ÿ≈§à“‡∑’¬∫°—∫‡™Á§∑—ÈßÀ¡¥‡æ’¬ß√âÕ¬≈– 9.1 ·≈– 1.2 µ“¡≈”¥—∫

(¿“æ∑’Ë 14-15)

17 ∏ª∑. ‡√‘Ë¡„™â√–∫∫ Imaged Cheque Clearing and Archive System (ICAS) „π‡¢µ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈‡æ◊ËÕ∑¥·∑π√–∫∫

ECS µ—Èß·µà«—π∑’Ë 3 °ÿ¡¿“æ—π∏å 2555

63

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

¿“æ∑’Ë 14: ª√‘¡“≥°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ª√–‡¿∑µà“ß Ê

¿“æ∑’Ë 15: ¡Ÿ≈§à“°“√À—°∫—≠™’‡™Á§√–À«à“ß∏π“§“√ª√–‡¿∑µà“ß Ê

°“√À—°∫—≠™’‡™Á§¿“¬„π∏π“§“√‡¥’¬«°—π

∏ª∑. ‡√‘Ë¡‡°Á∫¢âÕ¡Ÿ≈°“√À—°∫—≠™’‡™Á§¿“¬„π∏π“§“√‡¥’¬«°—π®“°∏π“§“√æ“≥‘™¬å·≈– ∂“∫—π°“√‡ß‘π

‡©æ“–°‘®µ—Èß·µàªï 2549 ¢âÕ¡Ÿ≈¥—ß°≈à“«À¡“¬√«¡∂÷ßª√‘¡“≥·≈–¡Ÿ≈§à“¢Õß‡™Á§‡√’¬°‡°Á∫¿“¬„π

∏π“§“√‡¥’¬«°—π„π‡¢µ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ ‡™Á§‡√’¬°‡°Á∫„π‡¢µµà“ß®—ßÀ«—¥ ·≈–‡™Á§‡√’¬°‡°Á∫

¢â“¡‡¢µ ”π—°À—°∫—≠™’

„πªï 2554 ‡™Á§‡√’¬°‡°Á∫¿“¬„π∏π“§“√‡¥’¬«°—π∑’Ë∏π“§“√æ“≥‘™¬å√“¬ß“π¢âÕ¡Ÿ≈·°à ∏ª∑. ¡’

ª√‘¡“≥∑—Èß ‘Èπ 41.8 ≈â“π©∫—∫ §‘¥‡ªìπ¡Ÿ≈§à“ 20,362.9 æ—π≈â“π∫“∑ ‡¡◊ËÕ‡∑’¬∫°—∫ªï 2553 ¡’ª√‘¡“≥

·≈–¡Ÿ≈§à“‡æ‘Ë¡¢÷Èπ‡∑à“°—∫√âÕ¬≈– 6.1 ·≈– 13.6 µ“¡≈”¥—∫ ”À√—∫ —¥ à«π¢Õßª√‘¡“≥ ·≈–¡Ÿ≈§à“

¢â“¡‡¢µ ”π—°À—°∫—≠™’

≈â“π√“¬°“√100

10

908070605040

3020

0

”π—°À—°∫—≠™’„πµà“ß®—ßÀ«—¥

‡¢µ°√ÿß‡∑æœ·≈–ª√‘¡≥±≈

2544 2545 2546 2547 2548 2549 2550 2551 2552 2553 2554

¢â“¡‡¢µ ”π—°À—°∫—≠™’

≈â“π≈â“π∫“∑40

35

30

25

20

15

10

5

0

”π—°À—°∫—≠™’„πµà“ß®—ßÀ«—¥

‡¢µ°√ÿß‡∑æœ·≈–ª√‘¡≥±≈

2544 2545 2546 2547 2548 2549 2550 2551 2552 2553 2554

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

64

‡™Á§‡√’¬°‡°Á∫¿“¬„π∏π“§“√‡¥’¬«°—πµàÕ‡™Á§‡√’¬°‡°Á∫∑—ÈßÀ¡¥§‘¥‡ªìπ√âÕ¬≈– 36.2 ·≈– 36.3 µ“¡≈”¥—∫

3.2.3 °“√‚Õπ‡ß‘π¡Ÿ≈§à“ Ÿß

°“√‚Õπ‡ß‘π¡Ÿ≈§à“ Ÿß‡ªìπ°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ (Bank of Thailand Automated High-Value

Transfer Network: BAHTNET) ∑’Ë ∏ª∑. æ—≤π“·≈–„Àâ∫√‘°“√·°à ∂“∫—π°“√‡ß‘π·≈– ∂“∫—πÕ◊Ëπ Ê

‡æ◊ËÕ™à«¬≈¥§«“¡‡ ’Ë¬ß„π°“√™”√–‡ß‘π¡Ÿ≈§à“ Ÿß„Àâ¡’§«“¡√«¥‡√Á« ª≈Õ¥¿—¬ ‡™àπ °“√‚Õπ‡ß‘π

√–À«à“ß ∂“∫—π °“√ ◊ÈÕ¢“¬‡ß‘πµ√“µà“ßª√–‡∑» °“√°Ÿâ¬◊¡‡ß‘π√–À«à“ß ∂“∫—π °“√‚Õπ‡ß‘π ¿“¬„π

∂“∫—π‡¥’¬«°—π °“√´◊ÈÕ¢“¬À≈—°∑√—æ¬å ∏ÿ√°√√¡‡æ◊ËÕµ√“ “√Àπ’È¿“§√—∞ ·≈–∏ÿ√°√√¡Õ◊Ëπ Ê (¿“æ∑’Ë 16)

¿“æ∑’Ë 16: —¥ à«π¡Ÿ≈§à“°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ·¬°µ“¡ª√–‡¿∑∏ÿ√°‘® ªï 2554

≥ ‘Èπªï 2554 √–∫∫∫“∑‡πµ¡’ ∂“∫—πºŸâ„™â∫√‘°“√√«¡∑—Èß ‘Èπ 65 ∂“∫—π ®”·π°‡ªìπ∏π“§“√

æ“≥‘™¬å®¥∑–‡∫’¬π„πª√–‡∑» 16 ∏π“§“√ ∏π“§“√æ“≥‘™¬åµà“ßª√–‡∑» 15 ∏π“§“√ ∫√‘…—∑‡ß‘π∑ÿπ

·≈–∫√‘…—∑À≈—°∑√—æ¬å 11 ∫√‘…—∑ ∂“∫—π°“√‡ß‘π‡©æ“–°‘® à«πß“π√“™°“√ ·≈– ∂“∫—πÕ◊Ëπ Ê

14 ·Ààß à«πß“π¿“¬„π ∏ª∑. 9 à«πß“π ∏ÿ√°√√¡°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ„πªï 2554

¡’®”π«π∑—Èß ‘Èπ 2.7 ≈â“π√“¬°“√ ‡æ‘Ë¡¢÷Èπ®“° 2.3 ≈â“π√“¬°“√ „πªï 2553 À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 17.4

¡’¡Ÿ≈§à“√«¡∑—Èß ‘Èπ 765.7 ≈â“π≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 17.0 ®“° 654.6 ≈â“π≈â“π∫“∑„πªï°àÕπ ´÷Ëß¡’

“‡ÀµÿÀ≈—°®“°°“√‚Õπ‡ß‘π‡æ◊ËÕ°“√∑”∏ÿ√°√√¡ Bilateral Repurchase Operation (Bilateral RP)

°—∫ ∏ª∑.

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

∏ÿ√°√√¡´◊ÈÕ¢“¬‡ß‘πµ√“µà“ßª√–‡∑»

∏ÿ√°√√¡´◊ÈÕ¢“¬À≈—°∑√—æ¬å

°“√‚Õπ‡ß‘π¿“¬„π ∂“∫—π‡¥’¬«°—π

∏ÿ√°√√¡°Ÿâ¬◊¡‡ß‘π√–À«à“ß ∂“∫—π

°“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π

Õ◊ËπÊ (√«¡ Bilateral RP)

47.5%

6.8%

18.0%

12.7%

12.1%

2.9%

65

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ “¡“√∂®”·π°√“¬≈–‡Õ’¬¥µ“¡ª√–‡¿∑∏ÿ√°√√¡‰¥â¥—ßπ’È

1) °“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π ¡’®”π«π∑—Èß ‘Èπ 187,403 √“¬°“√ §‘¥‡ªìπ¡Ÿ≈§à“√«¡ 574.6

≈â“π≈â“π∫“∑ ª√‘¡“≥·≈–¡Ÿ≈§à“°“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π‡æ‘Ë¡¢÷Èπ®“°ªï°àÕπ√âÕ¬≈– 14.2

·≈– 14.4 µ“¡≈”¥—∫ ‚¥¬¡Ÿ≈§à“°“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π∑’Ë‡æ‘Ë¡¢÷Èπ à«π„À≠à¡’º≈®“°

∏ÿ√°√√¡°“√´◊ÈÕ¢“¬æ—π∏∫—µ√°—∫ Primary Dealer ‚¥¬¡’ —≠≠“«à“®–¢“¬§◊πÀ√◊Õ ◊ÈÕ§◊π

(Bilateral RP) ÷Ëß¡’∏ÿ√°√√¡‡æ‘Ë¡¢÷ÈπµàÕ‡π◊ËÕß®“°ªï°àÕπ

2) °“√‚Õπ‡ß‘π‡æ◊ËÕ∫ÿ§§≈∑’Ë “¡ ¡’®”π«π∑—Èß ‘Èπ 2,537,118 √“¬°“√ §‘¥‡ªìπ¡Ÿ≈§à“√«¡ 182.3

≈â“π≈â“π∫“∑ ª√‘¡“≥·≈–¡Ÿ≈§à“°“√‚Õπ‡ß‘π‡æ◊ËÕ∫ÿ§§≈∑’Ë “¡‡æ‘Ë¡¢÷Èπ®“°ªï°àÕπ√âÕ¬≈–

17.7 ·≈– 26.3 µ“¡≈”¥—∫

3) °“√™”√–¥ÿ≈°“√À—°∫—≠™’√–À«à“ß ∂“∫—π ¡’®”π«π 3,403 √“¬°“√ §‘¥‡ªìπ¡Ÿ≈§à“√«¡ 8.9

≈â“π≈â“π∫“∑ ª√‘¡“≥·≈–¡Ÿ≈§à“ °“√™”√–¥ÿ≈°“√À—°∫—≠™’√–À«à“ß ∂“∫—π ‡æ‘Ë¡¢÷Èπ®“°ªï°àÕπ

√âÕ¬≈– 1.3 ·≈– 7.6 µ“¡≈”¥—∫ (¿“æ∑’Ë 17-18)

¿“æ∑’Ë 17: ª√‘¡“≥√“¬°“√µà“ß Ê ¢Õß°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ

æ—π√“¬°“√

°“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π °“√™”√–¥ÿ≈√–À«à“ß ∂“∫—π°“√‚Õπ‡ß‘π‡æ◊ËÕ∫ÿ§§≈∑’Ë “¡

2,500

2,000

1,500

1,000

500

02545 2546 2547 2548 2549 2550 2551 2552 2553 2554

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

66

¿“æ∑’Ë 18: ¡Ÿ≈§à“√“¬°“√µà“ß Ê ¢Õß°“√‚Õπ‡ß‘πºà“π√–∫∫∫“∑‡πµ

3.2.4 °“√‚Õπ‡ß‘π√“¬¬àÕ¬§√—Èß≈–À≈“¬√“¬°“√ (Bulk Payment)

°“√‚Õπ‡ß‘π√“¬¬àÕ¬§√—Èß≈–À≈“¬√“¬°“√‡ªìπ∫√‘°“√‚Õπ‡ß‘π∑’ËµâÕß¥”‡π‘π°“√ºà“π√–∫∫°“√

‚Õπ‡ß‘π∑’Ë√Õß√—∫°“√ àß§” —Ëß‚Õπ‡ß‘π∑’Ëª√–°Õ∫¥â«¬§” —Ëß‚Õπ‡ß‘π¬àÕ¬ Ê À≈“¬√“¬°“√ ¥—ßπ’È

1) °“√‚Õπ‡ß‘π¿“¬„π∏π“§“√‡¥’¬«°—π¢Õß∏π“§“√æ“≥‘™¬åµà“ß Ê ‰¥â·°à °“√∑”√“¬°“√ª√–‡¿∑

π”‡ß‘π‡¢â“∫—≠™’ (Direct Credit) ‡™àπ ‡ß‘π‡¥◊Õπ §à“®â“ß ‡ß‘πªíπº≈ ‡ß‘π§◊π¿“…’ ·≈–°“√∑”

√“¬°“√ª√–‡¿∑À—°∫—≠™’Õ—µ‚π¡—µ‘ (Direct Debit) ‡™àπ °“√™”√–§à“ “∏“√≥Ÿª‚¿§ §à“‡∫’È¬ª√–°—π

§à“∫—µ√‡§√¥‘µ œ≈œ

2) °“√‚Õπ‡ß‘π¢â“¡∏π“§“√ ”À√—∫°√≥’∑’ËºŸâ‚Õπ‡ß‘π°—∫ºŸâ√—∫‡ß‘π¡’∫—≠™’Õ¬Ÿàµà“ß∏π“§“√°—π‚¥¬ºà“π

√–∫∫ NITMX Bulk Payment ´÷Ëß∫√‘…—∑ ‡π™—Ëπ·π≈ ‰Õ∑’‡ÕÁ¡‡Õä°´å ®”°—¥ ‡ªìπºŸâ¥”‡π‘π°“√

·≈–„Àâ∫√‘°“√‡©æ“–√“¬°“√ª√–‡¿∑π”‡ß‘π‡¢â“∫—≠™’

¿“æ∑’Ë 19: ª√‘¡“≥√“¬°“√·≈–¡Ÿ≈§à“¢Õß°“√‚Õπ‡ß‘π√“¬¬àÕ¬§√—Èß≈–À≈“¬√“¬°“√

≈â“π≈â“π∫“∑

°“√‚Õπ‡ß‘π√–À«à“ß ∂“∫—π °“√™”√–¥ÿ≈√–À«à“ß ∂“∫—π°“√‚Õπ‡ß‘π‡æ◊ËÕ∫ÿ§§≈∑’Ë “¡

1,000

800

600

400

200

02545 2546 2547 2548 2549 2550 2551 2552 2553 2554

ª√‘¡“≥√“¬°“√ Direct credit

¡Ÿ≈§à“√“¬°“√ Direct credit

ª√‘¡“≥√“¬°“√ Direct debit

¡Ÿ≈§à“√“¬°“√ Direct debit

ª√‘¡“≥√“¬°“√ NITMX Bulk Payment

¡Ÿ≈§à“√“¬°“√ NITMX Bulk Payment

≈â“π√“¬°“√ æ—π≈â“π∫“∑200180160140120100806040200

12,000

10,000

8,000

6,000

4,000

2,000

02548 2549 2550 2551 2552 2553 2554

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

67

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

™”√–§à“ ‘π§â“·≈–∫√‘°“√ ‡ß‘π‡¥◊Õπ ‡ß‘πªíπº≈ Õ◊ËπÊ

63.7% 23.2%

6.0%7.1%

„πªï 2554 °“√‚Õπ‡ß‘π·∫∫ Bulk Payment ¡’¡Ÿ≈§à“√«¡∑—Èß ‘Èπª√–¡“≥ 14.6 ≈â“π≈â“π∫“∑

‡æ‘Ë¡¢÷Èπ √âÕ¬≈– 29.8 ®“°ªï∑’Ëºà“π¡“ ·≈–¡’®”π«π√“¬°“√√«¡ 294.1 ≈â“π√“¬°“√ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈–

8.3 √“¬°“√ª√–‡¿∑π”‡ß‘π‡¢â“∫—≠™’ (Direct Credit) ¡’ —¥ à«π Ÿß ÿ¥¥â“πª√‘¡“≥·≈–¡Ÿ≈§à“§‘¥‡ªìπ

√âÕ¬≈– 60.6 ·≈– 69.8 µ“¡≈”¥—∫ √Õß≈ß¡“§◊Õ√“¬°“√ª√–‡¿∑À—°∫—≠™’Õ—µ‚π¡—µ‘ (Direct Debit)

¡’ —¥ à«π¥â“πª√‘¡“≥√“¬°“√√âÕ¬≈– 29.9 ·≈– —¥ à«π¥â“π¡Ÿ≈§à“√âÕ¬≈– 20.7 à«π√–∫∫ NITMX

Bulk Payment ¡’ —¥ à«π¥â“πª√‘¡“≥√“¬°“√√âÕ¬≈– 9.5 ·≈– —¥ à«π¥â“π¡Ÿ≈§à“√âÕ¬≈– 9.6

(¿“æ∑’Ë 19)

°“√‚Õπ‡ß‘πºà“π√–∫∫ NITMX Bulk Payment „πªïπ’È¡’ª√‘¡“≥√«¡ 27.9 ≈â“π√“¬°“√ ·≈–¡Ÿ≈§à“

√«¡ 1,392.9 æ—π≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ®“°ªï∑’Ë·≈â«√âÕ¬≈– 12.9 ·≈–√âÕ¬≈– 28.9 µ“¡≈”¥—∫ ‚¥¬°“√

™”√–§à“ ‘π§â“·≈–∫√‘°“√®–¡’ —¥ à«π√“¬°“√ Ÿß∑’Ë ÿ¥§‘¥‡ªìπ√âÕ¬≈– 63.7 ¢Õß¡Ÿ≈§à“√«¡ √Õß≈ß¡“

§◊Õ °“√®à“¬‡ß‘π‡¥◊Õπ·≈–§à“®â“ß√âÕ¬≈– 23.2 ¢Õß¡Ÿ≈§à“√«¡

¿“æ∑’Ë 20: —¥ à«π¡Ÿ≈§à“°“√‚Õπ‡ß‘πºà“π√–∫∫ NITMX Bulk Payment

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‡ß‘π‡¥◊Õπ·≈–§à“®â“ß ‚¥¬¡’ —¥ à«π Ÿß∑’Ë ÿ¥∑—Èß¡Ÿ≈§à“·≈–ª√‘¡“≥√“¬°“√∂÷ß√âÕ¬≈– 49.1 ·≈–√âÕ¬≈–

78.6 µ“¡≈”¥—∫

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3,013.8 æ—π≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 49.1 ‡°◊Õ∫∑—ÈßÀ¡¥‡ªìπ°“√‚Õπ‡æ◊ËÕ™”√–§à“ ‘π§â“·≈–∫√‘°“√

‚¥¬¡’ —¥ à«π∑“ß¥â“π¡Ÿ≈§à“·≈–ª√‘¡“≥√“¬°“√∂÷ß√âÕ¬≈– 90.5 ·≈– 97.0 µ“¡≈”¥—∫ (¿“æ∑’Ë 20)

∑’Ë¡“: ∏π“§“√·Ààßª√–‡∑»‰∑¬

68

3.2.5 ∫√‘°“√∑’Ë‡§“πå‡µÕ√å∏π“§“√ ·≈–ºŸâ„Àâ∫√‘°“√∑’Ë¡‘„™à ∂“∫—π°“√‡ß‘π

°“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’È (Bill Payment)

„πªï 2554 °“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’Èºà“π‡§“πå‡µÕ√å∏π“§“√·≈–‡§“πå‡µÕ√åºŸâ„Àâ∫√‘°“√∑’Ë

¡‘„™à ∂“∫—π°“√‡ß‘π (Non-bank) ‡æ◊ËÕ®à“¬§à“ “∏“√≥Ÿª‚¿§·≈–§à“ ‘π§â“·≈–∫√‘°“√ ¡’ª√‘¡“≥

∏ÿ√°√√¡∑—Èß ‘Èπ®”π«π 281.4 ≈â“π√“¬°“√ ·≈–¡’¡Ÿ≈§à“∏ÿ√°√√¡√«¡ 5,950.2 æ—π≈â“π∫“∑ „π

®”π«ππ’È°“√™”√–§à“„™â®à“¬ºà“π‡§“πå‡µÕ√å Non-bank ¡’ª√‘¡“≥ Ÿß∂÷ß 200.4 ≈â“π√“¬°“√ (§‘¥‡ªìπ

—¥ à«π√âÕ¬≈– 71.2 ¢Õßª√‘¡“≥√“¬°“√∑—ÈßÀ¡¥) ‚¥¬¡’¡Ÿ≈§à“ 511.3 æ—π≈â“π∫“∑ ´÷Ëßπà“®–¡’º≈

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„π‡√◊ËÕß°“√≈¥§à“∏√√¡‡π’¬¡°“√„Àâ∫√‘°“√ à«π°“√™”√–§à“„™â®à“¬ºà“π‡§“πå‡µÕ√å∏π“§“√¡’ª√‘¡“≥

80.9 ≈â“π√“¬°“√ ≈¥≈ß®“°ªï°àÕπ‡≈Á°πâÕ¬ §‘¥‡ªìπ√âÕ¬≈– 2.2 ¢≥–∑’Ë¡Ÿ≈§à“°“√™”√–§à“„™â®à“¬

ºà“π‡§“πå‡µÕ√å∏π“§“√‚¥¬√«¡ Ÿß°«à“ Non-bank Õ¬à“ß‡ÀÁπ‰¥â™—¥‡π◊ËÕß®“°≈Ÿ°§â“ à«πÀπ÷Ëß™”√–

¥â«¬‡™Á§´÷Ëß¡’¡Ÿ≈§à“ Ÿß‚¥¬Õ¬Ÿà∑’Ë 5,438.9 æ—π≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ®“°ªï°àÕπ‡æ’¬ß√âÕ¬≈– 2.7

∑—Èßπ’È ‡ß‘π ¥¬—ß§ß‡ªìπ ◊ËÕ°“√™”√–‡ß‘π∑’Ë‰¥â√—∫§«“¡π‘¬¡¡“°∑’Ë ÿ¥ ”À√—∫°“√™”√–§à“„™â®à“¬ºà“π

‡§“πå‡µÕ√å∏π“§“√·≈– Non-bank ‚¥¬¡’ —¥ à«π√âÕ¬≈– 97.4 ·≈– 41.5 ¢Õßª√‘¡“≥·≈–¡Ÿ≈§à“

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√“¬°“√µ“¡≈”¥—∫

ºŸâ„Àâ∫√‘°“√∑’Ë¡‘„™à ∂“∫—π°“√‡ß‘π (Non-bank)

1. ∫√‘…—∑ ‚°≈∫Õ≈ ‡´Õ√å«‘ ‡´Áπ‡µÕ√å ®”°—¥

2. ∫√‘…—∑ ‡§“πå‡µÕ√å‡´Õ√å«‘ ®”°—¥

3. ∫√‘…—∑ ‡® ¡“√å∑ ®”°—¥ (¡À“™π)

4. ∫√‘…—∑ ∑√Ÿ ¡—ππ’Ë ®”°—¥

5. ∫√‘…—∑ ∑’‚Õ∑’ ®”°—¥ (¡À“™π)

6. ∫√‘…—∑ ‰ª√…≥’¬å‰∑¬ ®”°—¥

7. ∫√‘…—∑ Àæ—≤πæ‘∫Ÿ≈ ®”°—¥ (¡À“™π)

°√Õ∫∑’Ë 9: ºŸâ„Àâ∫√‘°“√√—∫™”√–‡ß‘π·∑π

ºŸâ„Àâ∫√‘°“√√—∫™”√–‡ß‘π∑“ßÕ‘‡≈Á°∑√Õπ‘° å·∑π‡®â“Àπ’È (ºŸâ„Àâ∫√‘°“√√—∫™”√–‡ß‘π·∑π)

∑’Ë‰¥â√—∫Õπÿ≠“µµ“¡æ√–√“™°ƒ…Æ’°“«à“¥â«¬°“√§«∫§ÿ¡¥Ÿ·≈∏ÿ√°‘®∫√‘°“√°“√™”√–‡ß‘π

∑“ßÕ‘‡≈Á°∑√Õπ‘° å æ.». 2551 ¡’®”π«π 33 √“¬ ·∫àß‡ªìπºŸâ„Àâ∫√‘°“√∑’Ë‡ªìπ ∂“∫—π°“√‡ß‘π

®”π«π 19 √“¬ ·≈–ºŸâ„Àâ∫√‘°“√∑’Ë¡‘„™à ∂“∫—π°“√‡ß‘π®”π«π 14 √“¬

ºŸâ„Àâ∫√‘°“√∑’Ë‡ªìπ ∂“∫—π°“√‡ß‘π

1. ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π)

2. ∏π“§“√°√ÿß‰∑¬ ®”°—¥ (¡À“™π)

3. ∏π“§“√°√ÿß»√’Õ¬ÿ∏¬“ ®”°—¥ (¡À“™π)

4. ∏π“§“√° ‘°√‰∑¬ ®”°—¥ (¡À“™π)

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7. ∏π“§“√ ’‰Õ‡ÕÁ¡∫’ ‰∑¬ ®”°—¥ (¡À“™π)

69

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

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8. ∏π“§“√´Ÿ¡‘‚µ‚¡ ¡‘µ´ÿ¬ ·∫ß°‘Èß §Õ√å

ªÕ‡√™—Ëπ “¢“°√ÿß‡∑æœ

9. ∏π“§“√¥Õ¬ å·∫ß°å “¢“°√ÿß‡∑æœ

10. ∏π“§“√∑À“√‰∑¬ ®”°—¥ (¡À“™π)

11. ∏π“§“√∑‘ ‚°â ®”°—¥ (¡À“™π)

12. ∏π“§“√‰∑¬‡§√¥‘µ ‡æ◊ËÕ√“¬¬àÕ¬ ®”°—¥

(¡À“™π)

13. ∏π“§“√‰∑¬æ“≥‘™¬å ®”°—¥ (¡À“™π)

14. ∏π“§“√∏π™“µ ®”°—¥ (¡À“™π)

15. ∏π“§“√¬Ÿ‚Õ∫’ ®”°—¥ (¡À“™π)

16. ∏π“§“√·≈π¥å ·Õπ¥å ‡Œâ“ å ‡æ◊ËÕ

√“¬¬àÕ¬ ®”°—¥ (¡À“™π)

17. ∏π“§“√ ·µπ¥“√å¥™“√å‡µÕ√å¥ (‰∑¬)

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18. ∏π“§“√·Ààß‚µ‡°’¬«-¡‘µ´Ÿ∫‘™‘ ¬Ÿ‡Õø‡®

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19. ∏π“§“√ŒàÕß°ß·≈–‡´’Ë¬ß‰Œâ·∫ß°‘Èß

§Õ√åªÕ‡√™—Ëπ ®”°—¥

8. ∫√‘…—∑ Õ‘ÕÕπ ∏π ‘π∑√—æ¬å (‰∑¬·≈π¥å)

®”°—¥ (¡À“™π)

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(¡À“™π)

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(¡À“™π)*

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55.4%22.2%

22.4%

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70

¿“æ∑’Ë 22: —¥ à«π¡Ÿ≈§à“∏ÿ√°√√¡°“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’È (Bill Payment)


À“°‡ª√’¬∫‡∑’¬∫ª√‘¡“≥·≈–¡Ÿ≈§à“∏ÿ√°√√¡°“√™”√–§à“„™â®à“¬ºà“π‡§“πå‡µÕ√å∏π“§“√·≈– Non-bank

°—∫∏ÿ√°√√¡∑“ßÕ‘‡≈Á°∑√Õπ‘° å∑’Ë„™â‡æ◊ËÕ™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’ÈÕ¬à“ß∫√‘°“√ Direct Debit

¢Õßª√‘¡“≥∏ÿ√°√√¡°“√™”√–§à“„™â®à“¬µ“¡„∫·®âßÀπ’È (Bill Payment) ∑—ÈßÀ¡¥ ®– √ÿª‰¥â«à“°“√

™”√–§à“„™â®à“¬ºà“π Non-bank ¡’ —¥ à«π∏ÿ√°√√¡ª√‘¡“≥¡“°∑’Ë ÿ¥§‘¥‡ªìπ√âÕ¬≈– 55.4 „π¢≥–∑’Ë

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¡Ÿ≈§à“∏ÿ√°√√¡∑—ÈßÀ¡¥ (¿“æ∑’Ë 21-22)

°“√‚Õπ‡ß‘π¢â“¡∏π“§“√∑’Ë‡§“πå‡µÕ√åºà“π√–∫∫ Online Retail Funds Transfer (ORFT)

°“√‚Õπ‡ß‘π¢â“¡∏π“§“√ºà“π√–∫∫ ORFT ‡ªìπ∫√‘°“√‚Õπ‡ß‘π‰ª¬—ß∫—≠™’‡ß‘πΩ“°µà“ß∏π“§“√ºà“π

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∏π“§“√ºŸâ‚Õπ‰ª¬—ß∫—≠™’ºŸâ√—∫‚Õπ∑’Ë¡’∫—≠™’Õ¬Ÿà ≥ ∏π“§“√ 11 ∏π“§“√18

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63.1%

5.9%31.0%

∏π“§“√-Direct Debit ∏π“§“√-‡§“πå‡µÕ√å Non-bank

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200

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√Õ. À√—∞Õ‡¡√‘°“

ACGM ASEAN Central Bank Governorsû Meeting

ADSL Asymmetric digital subscriber line °“√„Àâ∫√‘°“√Õ‘π‡∑Õ√å‡πÁµ

§«“¡‡√Á« Ÿß

AEC ASEAN Economic Community

AML/CFT Anti-Money Laundering and Countering Financing of Terrorism

ATM Automated Teller Machine

BAHTNET Bank of Thailand Automated High-value Transfer Network

BCP Business Continuity Plan

BOS Banknote Ordering System

BIS Bank for International Settlements

CLS Continuous Linked Settlement

EFTPOS Electonic Funds Transfer at Point of Sale

e-Money Electronic Money

e-Payment Electronic Payment

FRBNY Federal Reserve Bank of New York

FSAP Financial Sector Assessment Program

81

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FX Foreign Exchange

HKMA Hong Kong Monetary Authority

HKICL The Hong Kong and Shanghai Banking Corporation Limited

ICAS Imaged Cheque Clearing and Archive System

ICS Imaged Cheque Clearing System

ILF Intraday Liquidity Facilities

IMF International Monetary Fund

ISO International Organization for Standardization

NECTEC National Electronics and Computer Technology Center À√◊Õ

»Ÿπ¬å‡∑§‚π‚≈¬’Õ‘‡≈Á°∑√Õπ‘° å·≈–§Õ¡æ‘«‡µÕ√å·Ààß™“µ‘

NITMX Bulk Payment -

Credit Next Day ∫√‘°“√‚Õπ‡ß‘π√“¬¬àÕ¬√–À«à“ß∏π“§“√§√—Èß≈–À≈“¬√“¬°“√

NGO Non-Governmental Organization

NITMX National ITMX À√◊Õ ∫√‘…—∑ ‡π™—Ëπ·π≈ ‰Õ∑’‡ÕÁ¡‡Õä°´å ®”°—¥

Non-bank ºŸâª√–°Õ∫∏ÿ√°‘®∑’Ë‰¡à„™à ∂“∫—π°“√‡ß‘π

PKI Public Key Infrastructure

PvP Payment versus Payment

ROSCs Reports on the Observance of Standards and Codes

RTGS Real Time Gross Settlement

SRS Securities Requirement for Settlement

TC68 Technical Committee 68 ‡ªìπ§≥–°√√¡°“√∑’Ë°”°—∫·≈–

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USD CHATS US Dollar Clearing House Automated Transfer System

WC-PSS Working Committee on Payment and Settlement System

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‡°’Ë¬«¢âÕß°—∫°“√æ—≤π“¢âÕ§«“¡µ“¡¡“µ√∞“π ISO 20022 «—π∑’Ë§âπ¢âÕ¡Ÿ≈ 9 ‡¡…“¬π 2555,

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83

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Bank for International Settlements (1997), Real-time Gross Settlement Systems

Bank for International Settlements (2003). Glossary of terms used in payments and

settlement systems

Bank for International Settlements (2012). Country Red Books: Payment, Clearing and

Settlement Systems in Australia


Settlement Systems in Malaysia


Settlement Systems in Japan


Settlement Systems in Hong Kong


Settlement Systems in Korea

Bank of Thailand (2004). Payment 2004: A Road Map for Thai Payment Systems

Continuous Linked Settlement. About CLS. Retrieved April 11, 2012. From http://www.

cls-group.com/ABOUT/Pages/default.aspx

JAPAN Debit card promotion Association. J-Debit Overview. Retrieved May 2, 2012. From

http://www.debitcard.gr.jp

International Organization for Standardization. About ISO. Retrieved April 9, 2012. From

http://www.iso.org/iso/about.htm

Working Committee on Payment and Settlement System: WC-PSS. ASEANWCPSS. Retrieved

April 10, 2012. From http://www.aseanwcpss.org/aseanwcpss/Pages/default.aspx

84

6. µ“√“ß ∂‘µ‘

Table 1: Basic statistical data

Table 2: Technological infrastructure

Table 3: Narrow Money (at year-end, billion baht)

Table 4: Settlement media used by non-banks (at year-end, billion baht)

Table 5: Settlement media used by banks (at year-end, billion baht)

Table 6: Indicators of the use of various cashless payment instruments.

Volume of transactions (in thousands)

Table 7: Indicators of the use of various cashless payment instruments.

Value of transactions (billion baht)

Table 8: Notes and coins (at year-end, million baht)

Table 9: Institutional infrastructure

Table 10: Payment instructions handled by selected interbank settlement systems.

Volume of transactions (in thousands)

Table 11: Payment instructions handled by selected interbank settlement systems.


Table 12: Securities transfer instructions handled by securities settlement systems.

Volume of transactions (in millions)

Table 13: Securities transfer instructions handled by securities settlement systems.


Table 14: Number of participants in selected payment and settlement systems

Table 15: Number of ATMs

Table 16: Number of EFTPOS terminals

Table 17: Number of payment cards

Table 18: Use of postal payment instruments. Volume of transactions (in millions)

85

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Table 19: Use of postal payment instruments. Value of transactions (billion baht)

Table 20: Sources of payment revenues of Thai commercial banks (million baht)

Table 21: Sources of payment revenues of foreign bank branches (million baht)

Table 22: Daily averages of BOT payment services. Volume of transactions (transactions)

Table 23: Daily averages of BOT payment services. Value of transactions (billion baht)

Table 24: Peak day figures of BOT payment services. Volume of transactions

(transactions)

Table 25: Peak day figures of BOT payment services. Value of transactions (billion baht)

Table 26: Use of credit cards and debit cards via EFTPOS (Monthly average, baht)

Table 27: Cash withdrawal via ATM (Monthly average, baht)

Table 28: Use of mobile banking

Table 29: Use of internet banking

Table 30: Use of ORFT interbank retail funds transfer (Online Retail Funds Transfer :

ORFT).Volume of transactions (in thousands)

Table 31: Use of ORFT interbank retail funds transfer (Online Retail Funds Transfer :

ORFT). Value of transactions (billion baht)

Table 32: Bill payment at bank counter. Volume of transactions (in thousands)

Table 33: Bill payment at bank counter. Value of transactions (billion baht)

Table 34: Use of e-Money

Table 35: Fraud through specific payment channels and payment instruments (million

baht)

86

Table 1: Basic statistical data

2006 2007 2008 2009 2010 2011p

Population (millions) 62.83 63.04 63.39 63.53 63.88 64.08GDP current price (billion baht) 7,844.9 8,525.2 9,080.4 9,041.5 10,104.8 10,539.4GDP per capita (baht) 124,861.72 135,238.53 143,247.18 142,329.65 158,184.10 164,482.80Exchange rate vis-a-vis US$ (at year-end) 36.04 33.75 34.93 33.36 30.15 31.70Sources: Bank of Thailand, Department of Provincial Administration, National Economic & Social Development Boardp Preliminary Data

Table 2: Technological infrastructure

2006 2007 2008 2009 2010 2011Total fixed network telephone subscribers 7.04 7.02 6.97 6.85 6.65 6.43

Total mobile telephone subscribers (millions) 41.30 51.60 63.69 69.50 73.05 78.36

Postpaid 6.32 5.60 6.54 7.39 7.84 7.93Prepaid 34.98 46.00 57.15 62.11 65.21 70.44

Penetration rates

Fixed network telephone (%) 11.21 11.14 10.99 10.78 10.41 10.03Mobile telephone (%) 65.73 81.86 100.48 109.40 114.36 122.29

Sources: CAT Telecom Public Company Limited, TOT Public Company Limited

Table 3: Narrow Money1 (at year-end, billion baht)

2006 2007 2008 2009 2010 2011p

Currency 806.37 878.33 962.63 1,045.11 1,156.43 1,294.19

Held by business and household sector 652.90 720.05 752.33 843.96 937.20 1,035.99Held by commercial banks 135.11 140.24 184.76 178.97 193.50 221.29Held by finance companies 0.00 0.00 0.00 0.00 0.00 0.00Held by specialized banks 17.13 16.71 24.23 22.18 25.74 36.91

Demand deposits 258.57 279.85 288.90 330.59 365.24 378.28

Demand deposits at Bank of Thailand 3.67 3.85 15.11 3.13 2.94 3.05Demand deposits at commercial banks 252.06 271.41 269.77 321.33 357.38 368.19Demand deposit at specialized banks 2.84 4.59 4.02 6.14 4.92 7.04

Narrow Money 911.47 999.90 1,041.22 1,174.55 1,302.44 1,414.27

Currency held by business and householdsector as % of Narrow money 71.6% 72.0% 72.3% 71.9% 72.0% 73.3%Demand deposits held by business andhousehold sector as % of Narrow money 28.4% 28.0% 27.7% 28.1% 28.0% 26.7%

Source: Bank of Thailand1 circulation and demand deposits at commercial banks and specialized banksp Preliminary Data

87

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Table 4: Settlement media used by non-banks (at year-end, billion baht)

2006 2007 2008 2009 2010 2011p

Banknotes and coins1 652.90 720.05 752.33 843.96 937.20 1,035.99Demand deposits 258.57 279.85 288.90 330.59 365.24 378.28Narrow money2 911.47 999.90 1,041.22 1,174.55 1,302.44 1,414.27

Broad money3 8,573 9,109 9,944 10,617 11,779 13,566Source: Bank of Thailand1 Banknotes outside depository corporations and coins issued by central government2 Currency in circulation and demand deposits at commercial banks and specialized banks3 Currency in circulation and all kinds of deposits at commercial banks, specialized banks, and PN issued by financial companiesp Preliminary Data

Table 5: Settlement media used by banks (at year-end, billion baht)

2006 2007 2008 2009 2010 2011p

Balances held at central bank 56.8 51.5 58.5 48.2 78.2 59.3Required reserves 404.8 408.2 426.7 425.9 457.8 488.5Free reserves 743.2 921.2 1,382.2 1,908.3 2,110.7 2,004.5Transferable deposits at other banks 5.1 6.7 5.0 3.7 6.7 7.9Memorandum item:

Institutions borrowing from central bank 80.1 75.8 19.2 14.9 10.0 0.0Source: Bank of Thailandp Preliminary Data

88

Table 6: Indicators of the use of various cashless payment instruments Volume of transactions (in thousands)

2006 2007 2008 2009 2010 2011p

Paper-based1: 127,774 130,235 129,126 123,202 114,558 115,431

In-house cheque 43,681 49,503 49,900 48,310 39,435 41,833Interbank cheque 84,093 80,732 79,227 74,892 75,123 73,598

Payment cards: 1,214,314 1,401,241 1,601,273 1,747,320 1,942,936 2,132,241

ATM card2 646,304 592,653 555,826 556,613 542,707 561,136for cash withdrawal 553,837 473,532 419,610 387,175 422,546 429,288for other purposes3 92,467 119,121 136,216 169,438 120,161 131,848

Debit card 326,105 538,288 761,142 895,708 1,085,356 1,231,241for cash withdrawal 245,342 428,643 617,729 724,622 828,607 920,029for purchasing purpose via EFTPOS 6,762 9,536 11,496 11,913 13,802 25,057for other purposes4 74,002 100,108 131,918 159,172 242,948 286,155

Credit card5 241,904 270,300 284,305 294,999 314,873 339,865for purchasing purpose 215,010 237,798 251,128 263,424 282,597 308,212for other purposes6 26,894 32,502 33,177 31,575 32,276 31,653

Automated: 177,801 203,536 220,128 237,630 274,019 296,861

Direct credit7 105,731 124,236 134,010 146,151 166,372 178,147Direct debit8 53,277 59,967 64,985 68,583 80,621 88,086ITMX Bulk Payment (SMART) 17,072 17,568 19,205 20,891 24,702 27,901BAHTNET9 1,721 1,766 1,929 2,005 2,323 2,728

Source: Bank of ThailandSource: Bank of Thailand1 Since 2006, Data include in-house cheque from banks, however, some banks do not report in-house provincial and B/C cheque.2 Include data from three Special Financial Institutions.3 Data include purchasing goods and services, deposit and funds transfer4 Data include purchasing goods and services via other channels, cash withdrawal, deposit and funds transferp Preliminary Data5 Data include bank cards/affinity cards, non-bank cards/affinity cards and foreign credit cards used in Thailand6 Data include cash withdrawal, cash advance, deposit and funds transfer7 Intra-bank pre-authorized direct credit8 Intra-bank pre-authorized direct debit9 Data include interbank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer

and Bilateral R/P.

89

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Table 7: Indicators of the use of various cashless payment instruments Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011p

Paper-based1 : 48,200 55,637 62,147 56,066 51,698 56,169

In-house cheque 18,080 23,099 25,061 22,473 17,918 20,363Interbank cheque 30,121 32,537 37,086 33,593 33,780 35,806

Payment cards : 5,831 6,650 7,919 8,457 9,854 11,471

ATM card2 2,859 2,607 2,645 2,643 2,508 2,677for cash withdrawal 2,190 1,840 1,634 1,498 1,721 1,804for other purposes3 668 767 1,011 1,145 787 873

Debit card 2,240 3,205 4,354 4,876 6,294 7,620for cash withdrawal 1,227 1,971 2,738 3,095 3,670 4,275for purchasing purpose via EFTPOS 12 19 24 24 30 81for other purposes4 1,001 1,216 1,592 1,757 2,593 3,264

Credit card5 732 839 921 937 1,052 1,174for purchasing purpose 561 636 711 737 845 964for other purposes6 171 203 210 200 207 211

Automated : 148,778 190,210 286,191 498,861 665,846 780,284Direct credit7 3,436 5,351 6,044 6,698 8,121 10,163Direct debit8 1,238 1,699 1,847 1,676 2,021 3,014ITMX Bulk Payment (SMART) 802 793 828 868 1,081 1,393BAHTNET9 143,302 182,368 277,472 489,619 654,623 765,714

Source: Bank of Thailand1 Since 2006, Data include in-house cheque from banks, however, some banks do not report in-house provincial and B/C cheque.2 Include data from three Special Financial Institutions.3 Data include purchasing goods and services, deposit and funds transfer.4 Data include purchasing goods and services via other channels, cash withdrawal, deposit and funds transfer.5 Data include bank cards/affinity cards, non-bank cards/affinity cards and foreign credit cards used in Thailand.6 Data include cash withdrawal, cash advance, deposit and funds transfer.7 Intra-bank pre-authorized direct credit.8 Intra-bank pre-authorized direct debit.9 Data include interbank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and

Bilateral R/P.p Preliminary Data

90

Table 8: Notes and coins (at year-end, million baht)

2006 2007 2008 2009 2010 2011Notes and coins 806,380 878,331 993,148 1,095,159 1,187,828 1,346,437

Notes: 773,848 842,624 954,484 1,054,484 1,144,480 1,299,484

500000 baht 118 117 117 117 116 1171000 baht 571,739 628,175 701,711 774,058 889,617 1,028,838500 baht 94,712 98,497 119,283 140,972 113,746 119,826100 baht 74,843 82,435 97,484 98,605 98,235 108,22060 baht 1,154 1,157 1,161 1,163 1,166 1,17350 baht 8,787 7,819 9,377 13,062 12,799 9,59920 baht 19,038 20,741 21,674 22,835 25,134 28,04510 baht 3,218 3,357 3,351 3,346 3,342 3,3405 baht 123 196 196 196 195 1961 baht 107 121 121 121 121 121

50 satang 9 9 9 9 9 9Coins: 32,532 35,707 38,664 40,675 43,348 46,953

Source: Bank of Thailand

91

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Table 9: Institutional infrastructure

2006 2007 2008 2009 2010 2011p

Central Bank

Number of Institutions 1 1 1 1 1 1Number of Branches 3 3 3 3 3 3Number of Accounts1 366 287 260 226 231 231Value of Accounts (million baht)1 174,639 151,137 159,678 250,262 422,059 353,916

Thai Commercial Banks

Number of Institutions 15 18 18 17 17 16Number of Branches 4,701 5,070 5,477 5,791 5,961 6,183Number of Accounts 68,154,739 73,108,528 75,259,745 76,078,336 79,073,950 77,588,699Value of Accounts (million baht) 5,925,445 5,843,995 6,535,094 6,557,653 6,886,058 7,270,603

Specialized Financial Institutions

Number of Institutions 6 6 6 6 6 6Number of Branches 1,699 1,768 1,796 1,853 2,002 2,240Number of Accounts 45,475,345 36,651,097 42,713,869 41,618,537 37,838,856 37,366,503Value of Accounts (million baht) 1,549,498 1,341,482 1,809,653 2,175,906 2,435,471 2,249,904

Foreign Bank Branches

Number of Institutions 17 16 16 15 15 15Number of Branches 17 16 16 15 15 18Number of Accounts 83,180 219,789 90,115 89,866 92,402 96,165Value of Accounts (million baht) 595,896 673,490 507,009 466,418 511,604 623,338

Post Office

Number of Institutions 1 1 1 1 1 1Number of Branches 1,158 1,176 1,188 1,254 1,281 1,295Number of Accounts - - - - - -Value of Accounts (million baht) - - - - - -

Sources: Bank of Thailand and Thailand Post Co., Ltd.1 Exclude regional officesp Preliminary Data

92

Table 11: Payment instructions handled by selected inter-bank settlement systems Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011Paper-based: 30,121 32,537 37,086 33,593 33,780 35,806

ECS 27,175 29,524 33,912 30,473 30,247 31,861Provincial Cheques 2,617 2,667 2,798 2,761 3,137 3,508B/C1 329 346 376 359 396 437

Automated: 144,374 183,509 278,778 490,940 656,253 767,749

BAHTNET2 143,302 182,368 277,472 489,619 654,623 765,714ITMX Bulk Payment (SMART) 802 793 828 868 1,081 1,393ORFT-ATM 270 349 478 453 549 642

Sources: Bank of Thailand and National ITMX Co., Ltd.1 Inter-provincial cheques exchanged at the Electronic Clearing House.2 Data include interbank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and

Bilateral R/P.

Table 12: Securities transfer instructions handled by securities settlement systems Volume of transactions (in millions)

2006 2007 2008 2009 2010 2011Bond registry system:

Equity securities - - - - - -Government securities 0.01 0.01 0.01 0.01 0.01 0.01

Book-entry system:

Equity securities 2.45 2.36 2.41 2.46 2.83 2.66Government securities 0.06 0.05 0.09 0.09 0.13 0.14

Sources: Bank of Thailand and Thailand Securities Depository Co., Ltd.

Table 10: Payment instructions handled by selected interbank settlement systems Volume of transactions (in thousands)

2006 2007 2008 2009 2010 2011Paper-based: 84,093 80,732 79,227 74,892 75,123 73,598

ECS 61,445 59,026 57,833 53,926 53,864 52,116Provincial Cheques 5,935 15,056 14,666 14,353 14,533 14,775B/C1 6,714 6,649 6,728 6,613 6,726 6,707

Automated: 59,872 75,300 100,181 99,110 116,482 130,554

BAHTNET2 1,721 1,766 1,929 2,005 2,323 2,728ITMX Bulk Payment (SMART) 17,072 17,568 19,205 20,891 24,702 27,901ORFT-ATM (on-line retail funds transfer) 41,079 55,966 79,047 76,214 89,456 99,926

Sources: Bank of Thailand and National ITMX Co., Ltd.1 Inter-provincial cheques exchanged at the Electronic Clearing House.2 Data include interbank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and

Bilateral R/P.

93

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Table 13: Securities transfer instructions handled by securities settlement systems Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011Bond registry system:

Equity securities - - - - - -Government securities 35 23 33 42 20 22

Book-entry system:

Equity securities 694.0 713.6 625.8 539.0 816.0 1029.0Government securities 10,666 27,002 58,647 51,071 66,817 80,469

Sources: Bank of Thailand and Thailand Securities Depository Co., Ltd.

Table 14: Number of participants in selected payment and settlement systems

2006 2007 2008 2009 2010 2011BAHTNET 65 67 69 65 66 64ECS 40 40 40 38 38 38Provincial Cheque Clearing 21 22 23 21 22 22B/C1 39 39 39 37 37 37ITMX Bulk Payment (SMART) 29 33 33 33 33 32Bond registry system:

Equity securities - - - - - -Government securities 247,700 296,867 308,188 633,708 529,237 341,968

Book-entry system:

Equity securities andGovernment securities 74 77 91 88 89 89

Sources: Bank of Thailand and Thailand Securities Depository Co., Ltd.1 Inter-provincial cheques exchanged at the Electronic Clearing House.

Table 15: Number of ATMs

2006 2007 2008 2009 2010 2011Total 21,988 25,943 34,796 39,454 44,468 47,759

Bangkok 8,675 9,883 12,624 13,586 14,639 15,099Central 6,951 8,818 11,871 13,951 15,669 16,658Northeast 2,069 2,491 3,673 4,370 5,314 6,091North 2,072 2,274 3,230 3,707 4,304 4,760South 2,221 2,477 3,398 3,840 4,542 5,151

Source: Bank of Thailand

94

Table 17: Number of payment cards

2006 2007 2008 2009 2010 2011Total 55,698,708 57,929,150 61,798,358 67,631,419 72,627,280 77,818,347

Credit card1 10,900,566 12,003,369 12,971,694 13,489,422 14,187,815 15,328,291ATM card2 30,845,358 22,632,173 22,560,305 23,438,658 24,308,945 23,756,810Debit card3 13,952,784 23,293,608 26,266,359 30,703,339 34,130,520 38,733,246

Source: Bank of Thailand1 Data include non-bank.2 Data include Government Saving Bank, Bank for Agriculture and Agricultural Cooperatives and Islam Bank of Thailand.3 Data include Government Saving Bank.

Table 18: Use of postal payment instruments. Volume of transactions (in millions)

2006 2007 2008 2009 2010 2011Postal payments total 34.69 34.45 33.69 30.62 29.00 28.40

Domestic money order total1 33.77 33.83 33.19 30.21 28.65 28.12Domestic postal order 0.86 0.58 0.46 0.38 0.33 0.26Postcheque2 - - - - - -International money order 0.03 0.02 0.02 0.02 0.01 0.01Incoming 0.03 0.02 0.02 0.02 0.01 0.01Outgoing neg. neg. 0.00 0.00 0.00 0.00

Source: Thailand Post Co., Ltd.1 Data include domestic money order and Pay at Post.2 Postcheque has been terminated since 2002

Table 19: Use of postal payment instruments. Volume of transactions (billion baht)

2006 2007 2008 2009 2010 2011Postal payments total 107.06 107.91 110.04 98.52 92.24 91.35

Domestic money order total1 105.61 106.71 108.86 97.52 91.49 90.67Domestic postal order 0.19 0.14 0.12 0.10 0.08 0.07Postcheque2 - - - - - -International money order 0.63 0.53 0.53 0.45 0.34 0.31Incoming 0.62 0.52 0.53 0.44 0.33 0.30Outgoing 0.01 0.01 0.01 0.00 0.01 0.00

Source: Thailand Post Co., Ltd.1 Data include domestic money order and Pay at Post.2 Postcheque has been terminated since 2002

Table 16: Number of EFTPOS terminals1

2006 2007 2008 2009 2010 2011p

Total 206,216 213,675 246,563 227,283 258,248 261,167Source: Bank of Thailand1 Since 2006, data is collected from banks and some credit card companies.p Preliminary Data

95

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

Table 21: Sources of payment revenues of foreign bank branches (million baht)

2006 2007 2008 2009 2010 2011p

Total 2,955 3,146 2,990 3,977 4,425 5,047

Credit card 873 1,083 1,218 2,356 2,564 2,945ATM card and e-banking 59 59 57 46 47 49Money transfer and collection 763 772 919 874 913 1025Securities custodian 732 753 611 577 650 727Cheque-related fee 244 239 19 15 129 130Letter of credit 284 240 166 109 122 171

Source: Bank of Thailandp Preliminary Data

Table 22: Daily averages of BOT payment services. Volume of transactions (transactions)

2006 2007 2008 2009 2010 2011BAHTNET1 6,997 7,206 7,716 8,251 9,600 11,272ECS 252,858 240,924 231,334 221,919 222,578 215,356Provincial Cheque Clearing 65,574 61,453 58,663 59,065 60,053 61,054B/C2 27,630 27,141 26,911 27,216 27,795 27,713ITMX Bulk Payment (SMART) 70,255 71,704 76,819 85,972 102,074 115,291Source: Bank of Thailand1 Data include inter-bank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and

Bilateral R/P.2 Inter-provincial cheques exchanged at the Electronic Clearing House.

Table 20: Sources of payment revenues of Thai commercial banks (million baht)

2006 2007 2008 2009 2010 2011p

Total 36,291 39,858 44,720 49,568 55,324 60,362

Credit card 9,792 11,202 12,934 13,451 15,562 19,868ATM card and e-banking 9,976 10,710 12,430 16,539 18,477 20,903Money transfer and collection 11,711 12,977 14,310 15,148 16,516 14,466Securities custodian 756 820 856 815 958 1,138Cheque-related fee 1,965 2,269 2,365 2,128 2,164 2,098Letter of credit 2,091 1,880 1,825 1,487 1,647 1,889

Source: Bank of Thailandp Preliminary Data

96

Table 26: Use of credit cards and debit cards via EFTPOS1 (Monthly average per card, baht)

2006 2007 2008 2009 2010 2011Credit card 3,263 3,331 3,395 3,462 3,766 4,022Debit card 73 73 75 65 74 174Source: Bank of Thailand1 Domestic and oversea spending of Thai credit cards and Thai debit cards via EFTPOS.

Table 23: Daily averages of BOT payment services. Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011BAHTNET1 583 744 1,110 2,015 2,705 3,164ECS 112 121 136 125 125 132Provincial Cheque Clearing 10.8 10.9 11.2 11.4 13.0 14.5B/C2 1.4 1.4 1.5 1.5 1.6 1.8ITMX Bulk Payment (SMART) 3.3 3.2 3.3 3.6 4.5 5.8Source: Bank of Thailand1 Data include inter-bank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and


Table 24: Peak day figures of BOT payment services. Volume of transactions (transactions)

2006 2007 2008 2009 2010 2011BAHTNET1 13,421 11,488 11,969 12,898 18,542 18,581ECS 590,830 514,286 495,463 473,362 547,686 515,908Provincial Cheque Clearing 141,274 129,731 115,119 111,561 131,468 127,070B/C2 124,162 120,434 125,038 122,138 122,979 125,934ITMX Bulk Payment (SMART) 300,353 322,497 361,746 314,828 350,156 359,198Source: Bank of Thailand1 Data include inter-bank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and


Table 25: Peak day figures of BOT payment services. Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011BAHTNET1 1,378.4 1,236.6 1,820.6 2,829.3 4,193.3 5,002.9ECS 217.2 247.4 296.3 252.4 292.8 259.1Provincial Cheque Clearing 18.3 20.3 20.9 19.1 22.6 23.3B/C2 4.7 4.9 5.7 5.3 5.9 6.5ITMX Bulk Payment (SMART) 25.5 14.6 15.0 16.8 15.7 13.2Source: Bank of Thailand1 Data include inter-bank funds transfer, third party funds transfer, DVP/RVP for securities, Multilateral Funds Transfer and


97

√“¬ß“π√–∫∫°“√™”√–‡ß‘π 2 5 5 4

Table 27: Cash withdrawal via ATM (Monthly average per card, baht)

2006 2007 2008 2009 2010 2011ATM card 6,063 7,018 6,696 6,459 6,767 7,711Debit card 7,328 7,051 8,752 8,618 9,165 9,531Source: Bank of Thailand

Table 28: Use of mobile banking1

2006 2007 2008 2009 2010 2011No. of agreements 133,419 168,434 232,758 257,677 519,450 706,439Volume of transactions 238,501 228,578 4,670,377 11,107,223 15,884,571 19,941,530Value of transactions (million baht) 155 112 25,218 63,363 109,816 186,511Source: Bank of Thailand1 Data include mobile banking transactions using credit cards, debit cards and account numbers.

Table 29: Use of internet banking

2006 2007 2008 2009 2010 2011No. of agreements 2,139,325 3,135,502 4,009,907 3,165,663 4,822,947 5,626,233Volume of transactions1 15,488,741 21,220,469 31,375,931 49,368,820 60,793,740 83,841,394Value of transactions (billion baht) 3,584.0 4,896.5 5,073.0 5,692.6 7,891.7 8,779.7Source: Bank of Thailand1 Enquiry transactions were excluded.

Table 31: Use of ORFT interbank retail funds transfer (Online Retail Funds Transfer: ORFT) Value of Transactions (billion baht)

2006 2007 2008 2009 2010 2011Total ORFT 293 427 606 583 721 855

ATM 270 349 478 453 549 642Counter1 23 78 128 130 172 213Internet banking2 nav. nav. nav. 64 111 165

Sources: National ITMX Co., Ltd. and Processing Center Co., Ltd.1 Data collected since 2006.2 Data collected since 2009.

Table 30: Use of ORFT interbank retail funds transfer (Online Retail Funds Transfer: ORFT) Volume of transactions (in thousands)

2006 2007 2008 2009 2010 2011Total ORFT 43,279 61,234 87,225 84,265 98,618 109,936

ATM 41,079 55,966 79,047 76,214 89,456 99,926Counter 2,200 5,267 8,177 8,051 9,162 10,010Internet banking1 nav. nav. nav. 6,656 10,941 15,342

Sources: National ITMX Co., Ltd. and Processing Center Co., Ltd.1 Data collected since 2009.

98

Table 35: Fraud through specific payment channels and payment instruments1 (million baht)

2006 2007 2008 2009 2010 2011Total fraud 345 620 519 793 186 150

Payment channels2 90 389 315 561 44 34Payment instruments3 254 231 204 232 142 116

Source: Bank of Thailand1 Data collect from banks, some special financial institutions and some credit card companies since 2006.2 Banks report only final result. Fraud through specific payment channels include phone banking, mobile banking, internet

banking pass book and other channels.3 Banks report only final result. Fraud via specific payment instruments include cheque, credit card, ATM card, Debit card

prepaid card and other cards.

Table 32: Bill payment at bank counters. Volume of transactions (in thousands)

2006 2007 2008 2009 2010 2011Total bill payment1 66,889 72,372 77,309 84,352 81,700 80,957

Cash 58,806 69,135 74,011 80,884 77,839 77,295Cheque 1,457 1,791 1,829 1,564 1,629 1,604Others 6,626 1,446 1,468 1,905 2,231 2,058

Source: Bank of Thailand1 Data collected from banks since 2006.

Table 33: Bill payment at bank counters. Value of transactions (billion baht)

2006 2007 2008 2009 2010 2011Total bill payment1 3,909 5,069 6,093 4,714 5,296 5,439

Cash 898 1,362 2,586 1,688 1,854 1,961Cheque 1,904 2,129 2,584 1,934 2,110 2,597Others 1,107 1,578 923 1,092 1,333 882

Source: Bank of Thailand1 Data collected from banks since 2006.

Table 34: Use of e-Money1

2006 2007 2008 2009 2010 2011No. of cards/accounts 3,190,135 3,689,484 5,477,324 7,667,215 11,483,751 13,804,253Volume of transactions 23,644,155 75,642,216 77,953,841 103,007,328 221,458,769 348,197,980Value of transactions (million baht) 5,532.4 8,660.9 8,383.1 10,549.0 17,742.9 24,732.8Source: Bank of Thailand1 Data collected since 2006 and excluded top-up cards.

99

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100

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∑”ºà“π√–∫∫®¥∫—≠™’ (Book-entry System) ·∫∫‰√â„∫Àÿâπ (Scripless) ‡∑à“π—Èπ

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(enquiry transactions)

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